Population Ranked by Annual Expenditures
	1928	1963	1970	1977	1980	1987	1996	2007	2010
Top 1%		17%	26%	27%	29%	28%	27%	23%	22%
Top 2%			35%	38%	39%	39%	38%	33%	32%
Top 5%	52%	43%	50%	55%	55%	56%	55%	50%	50%
Top 10%		59%	66%	70%	70%	70%	69%	65%	66%
Top 30%	93%		88%	90%	90%	90%	90%	89%	90%
Top 50%		95%	96%	97%	96%	97%	97%	97%	97%
Lower 50%		5%	4%	3%	4%	3%	3%	3%	3%

If total expenditures in 2010 were $2000 billion, and you sold insurance to 100 million people who all were in the lower 50% category, what would be the pure premium per person?

If total expenditures in 2010 were $2000 billion, and you sold insurance to 10 million people who all were in the upper 5% category, what would be the pure premium per person?