As the Business Continuity Manager, you assign responsibilities for the completion of the Business Impact Analysis to each member of your team. You explain to your staff that they will be responsible to calculate the annual loss expectancy (ALE) of assigned risks. Your staff looks at you bewildered, so you need to explain the formula to them and how to use it. What explanation would you give so that your staff understands that formula? Provide an example of how to use the formula. Develop a matrix using the formula as part of your example.