please dont answer my by excel .. would be better if use your PC to answer ,, as well as provide the formula

(b) Impian Sdn. Bhd has the following distribution for its annual medical costs: Loss = RM2,000,000 with probability 0.0001 RM100,000 with probability 0.001 RM5,000 with probability 0.1 RMO with probability 0.8989 What are the expected claim costs for Impian Sdn. Bhd? (4 marks) If an insurer offered Impian Sdn. Bhd a policy with a RM5000 annual deductible, what are the expected claim costs on this policy? (4 marks) If an insurer offered Impian Sdn. Bhd a policy with a RM500,000 limit, what are the expected claim costs on this policy? (4 marks) iv. Explain why these contractual provisions such as limits and deductibles are important from the insurance company's point of view. (4 marks)