small business provides its ten employees with health insurance under a group plan. For each employee independently, the probability of incurring medical expenses during a year is 0.9. The total medical expense per year per employee is either $100 with 0.9 probability. or $10000 with 0.1 probability. The health plan has a $5000 deductible clause, so each year the insurer pays the total medical expenses for the group in excess of $5000. For a five year simulation, find the total medical expenses paid by the insurer.