z<-.81
a rough calculation would be use z<-1
then apply the empirical rule such that -1<z<1 is 68%
so, (1-.68)/2 = area = .32/2 = .16 = a slightly smaller approximation that the actual area
but to get a more precise solution use z tables or a z calculator
which shows area = .20897
= about .209 rounded to 3 decimal places