On a standardized exam, the scores are normally distributed with a mean of 195 and a standard deviation of 20. Find the z-score of a person who scored 140 on the exam.

To find the z-score, we use the formula:

z = (X - μ) / σ

Where:
X = individual score
μ = mean
σ = standard deviation

Plugging in the values for this problem:

X = 140
μ = 195
σ = 20

z = (140 - 195) / 20
z = -55 / 20
z = -2.75

Therefore, the z-score of a person who scored 140 on the exam is -2.75.