Step 1 :The problem is asking for the area under the standard normal curve that lies to the left of \(Z=-0.96\). This is equivalent to finding the cumulative distribution function (CDF) at \(Z=-0.96\) for a standard normal distribution. The standard normal distribution has a mean of 0 and a standard deviation of 1.
Step 2 :By calculating, we find that the area is approximately 0.16852760746683781.
Step 3 :Final Answer: The area to the left of \(Z=-0.96\) is \(\boxed{0.1685}\).