5.21 Insurance Every year the insurance industry spends considerable resources assessing risk probabilities. To accumulate a risk of about one in a million of death, you can drive 100 miles, take a cross country plane flight, work as a police officer for 10 hours, work in a coal mine for 12 hours, smoke two cigarettes, be a nonsmoker but live with a smoker for two weeks, or drink 70 pints of beer in a year (Wilson and Crouch, 2001, pp. 208–209). Show that a risk of about one in a million of death is also approximately the probability of flipping 20 heads in a row with a balanced coin.