Write SQL query to solve given problem: List the air carrier's description with arrival time lower than the 40% of the average arrival time of flights that flew to Phoenix.. Keep the solution inside sql tag ```sql [SQL-Query] ```
SELECT T1.Description FROM `Air Carriers` AS T1 INNER JOIN Airlines AS T2 ON T1.Code = T2.OP_CARRIER_AIRLINE_ID WHERE T2.DEST = 'PHX' AND T2.ARR_TIME < ( SELECT AVG(ARR_TIME) * 0.4 FROM Airlines ) GROUP BY T1.Description