approximately 68 percent of the observations (or 68 percent of the area under the curve) will always fall within two standard deviations (one above and one below) of the mean.
A counter claim is made when a part like the bank has an unpaid debt that the customer has to pay but the customer sues or attacks back the bank for a fraud of the debt and an attempt is made by the defendant to offset or reduce the implications of the claims.
