You need $\Phi\left(\dfrac{c-13}{3.5}\right) = 0.99$, not $\dfrac{c-13}{3.5} = 0.99$.
Hence $\dfrac{c-13}{3.5} = \Phi^{-1}(0.99)$, and so $\dfrac{c-13}{3.5} \approx 2.33$.
$\Phi$ is the function tabulated in the back of every book.
You need $\Phi\left(\dfrac{c-13}{3.5}\right) = 0.99$, not $\dfrac{c-13}{3.5} = 0.99$.
Hence $\dfrac{c-13}{3.5} = \Phi^{-1}(0.99)$, and so $\dfrac{c-13}{3.5} \approx 2.33$.
$\Phi$ is the function tabulated in the back of every book.