A construction company is planning to build a new commercial building with a projected budget of $20 million. The company has identified several risks that could impact the project cost, including labor strikes, material price fluctuations, and unforeseen site conditions. Based on historical data and expert opinion, the company has estimated the following probabilities and impact values for each risk:

• Labor strike: 20% probability, impact of $3 million
• Material price fluctuations: 30% probability, impact of $2 million
• Unforeseen site conditions: 15% probability, impact of $4 million

Calculate the expected value and standard deviation of the total risk cost for the project. Also, determine the probability of the project exceeding its budget by $5 million or more.