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[Flashback]William Easton: Sounds like we're in a similar business, John.John Kramer: Oh, yeah? How's that?William Easton: Well, you try to predict people's behavior. So do I. People count on us for coverage, and we have to analyze each person for the probability of success.John Kramer: How do you do that?William Easton: Well, it's a formula. It's pretty complicated, actually, but in essence, it breaks down to monthly payments multiplied by lifespan, minus the probability of illness, and if its sum is positive, we consider coverage.John Kramer: Who devised that formula?William Easton: Me.John Kramer: So, in a sense... you choose who lives or dies?William Easton: [pause] No, I, uh... No, I'd say I decide which people have the potential to live long, healthy lives.John Kramer: But you're not taking into consideration the most important human element of all.William Easton: Which is what?John Kramer: The will to live. Until a person is faced with death, it's impossible to tell whether they have what it takes to survive.

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