Cumulative probability for VAR

[whatsyourgovt]

I dont know why im getting tripped up on this but i cant figure out how they come up with this answer:
less than -40% 0.010
-40% to -30% 0.010
-30% to -20% 0.030
What is the 5% VaR? the answer is at least 20%, what am i missing here? Is it simply 1% + 1% + 3% and you end up at -20%?

 

[cgy5478]

1% lose more than 40%
1% lose between 30% - 40%
3% lose between 20% - 30%
so you have 5% to lose more than 20%