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#24




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I don't remember which number that was, maybe 4? I used binomial with p being probability of sick or healthy at beginning year 3 and n is 1000. I got 1 phi of 1.101 which is .1335 but the closest answer was 13.6% so not sure if I did something wrong 
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#26




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it wasn't four because i struggled with four.. and i remember totally guessing that.
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