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From the book, Chapter 15. 1% a year for 40 years is 33.1%, not 40%; 0.1% a year is 3.9%. A 1-in-100,000 risk per trip over 500 trips a year is about 1 in 200 a year, and 18.1% over 20,000 trips.
Exact arithmetic, worked the way the book shows. Everything stays in your browser: no sign-up, nothing stored or sent.