To get the total for each column of the middle section, "maximum" result is subtracted from the "minimum" and that number is multiplied by the sum written in the box "one" from the upper section.

For a school district with a market value/personal income aid ratio (MV/PI AR) greater than 0.4000, its index equals the base index multiplied by the sum of .75 and its MV/PI AR for the current year.

The latter is proportional to the product of the two masses, which is equal to the reduced mass multiplied by the sum of the masses.

The reduction in risk is then multiplied by the sum the average person is willing to pay for it to arrive at the value people implicitly place on their lives.