def count_distinct_characters(string: str) -> int:
    """ Given a string, find out how many distinct characters (regardless of case) does it consist of
    >>> count_distinct_characters('xyzXYZ')
    3
    >>> count_distinct_characters('Jerry')
    4
    """
    return len(set(string.lower()))
from typing import List
def below_zero(operations: List[int]) -> bool:
    balance = 0
    for op in operations:
        balance += op
        if balance < 0:
            return True
    return False