# area da zero a z

z <- c(0:399)/100
p <- 0.5 - pnorm(z,lower.tail=FALSE)
tbl <- matrix(p,ncol=10,byrow=TRUE)

nr <- nrow(tbl)+1
nc <- ncol(tbl)+1
out <- matrix(NA,nr,nc)
out[2:nr,2:nc] <- round(tbl,5)
out[2:nr,1] <- c(0:39)/10
out[1,2:nc] <- round(c(0:9)/100,2)
out
