please explain

You are trying to decide whether you want to learn to program in HTML5 or Java. Both are widely used now, but the probability that each will become the dominant programming language for Web-based applications in one year is 0.8 for HTML5 and 0.2 for Java. You can get a permanent job (so payments will go on in perpetuity) that pays $50,000 per year if the language is in use. A class in Java costs $2.000 and a class in HTML5 costs $10.000. You can take either class any year, but you can only take one. The market interest rate is 5%. What should you do? Take the Java class now. Take the HTML5 class now. Take the HTML5 class in one year, Wait and decide which class to take in one year