The awnser to this problem is either 12 or 7 by using multiplication or addition
The population standard deviation, σ = 1.68, the sample standard deviation, s = 1.95, the sample mean =7.23, and the sample size, n = 39.The test statistics is given by
T=(n - 1) (s / σ)²
= (39 - 1) (1.95 / 1.68)²
= 38 (1.35)= 51.196
So, you add 18,000 + 6,000= 24,000
Since 10/20 or 1/2 is covered by insurance you'd divide the amount in half.
24,000 divided by 2= 12,000
So, the answer is $12,000.
I hope this helps:)