Correct Answer:
The data value must be less than the mean.
The formula for the z value is:
z-value = (Data value - Mean) / Standard Deviation
The z-value will be negative when the Numerator of the above expression will be negative. The numerator will be negative only when the Data Value is less than the mean value. For example, for a data value of 5 and mean value 8, the numerator will be -3, and when it will be divided by standard deviation, the resulting z value will be negative.
So, Third option is the correct answer.
Just do 4.5 x4.5 and get 20.25 then divide that by 55 and get the answer of 2.7 months. Hope this helps