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(1-0.032)^130 + 130 * (1-0.032)^129 * 0.032 + (130 choose 2) * (1-0.032)^(128) * 0.032^2
(1-0.032)^130 + 130 * (1-0.032)^129 * 0.032 + (130 choose 2) * (1-0.032)^(128) * 0.032^2
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