Given the following information, what is the value of d2 as it is used in the Black-Scholes option pricing model? 
Definitions:
Robert Sternberg
An American psychologist best known for his theory on intelligence and creativity, including the triarchic theory of intelligence.
Hindsight Bias
The tendency to believe, after learning an outcome, that one would have foreseen it, often referred to as the "I-knew-it-all-along" phenomenon.
Mental Set
A framework for thinking about a problem based on previous experiences and solutions, which can both aid and limit problem-solving ability.
Auto Lock
A security feature in vehicles or technology devices that automatically locks the device or vehicle after a set period of time or under certain conditions.
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