Based on the sample of body temperatures of healthy adults provided by Dr. Steven Wasserman, et al. of the University of Maryland, we can assume that human body temperatures are normally distributed with a mean of 98.21°F and a standard deviation of 0.81°F . Physicians want to select a minimum temperature, below which further medical tests would be required. What should that temperature be, if we want only 2.9% of healthy people to qualify for the testing? Use 2 decimals.