under a stop-loss insurance arrangement, the insurance amount paid is 80% of the excess of aggregate claims above 20,
subject to a maximum payment of 5.
All claim amounts are non-negative integers. you are given: Deductible: 16 20 24 25 26 27
Net stop-loss premium: 3.89 3.33 2.84 2.75 2.69 2.65

Determine the expected amount paid by the insurer