Answer:
Explanation:
The total possble combinations = 5 * 5 = 25 ways.
The number of ways to get exactly 12
= 2,10 3,9 4,8 5,7 = 4 ways.
The ways to get > 12
= 3,10 4,9 4,10 5,8 5,9 5,10 = 6 ways.
So the number of ways to get < 12 = 25 - 4 - 6 = 15 ways.
Expected value
= 4(0) + 6(x) + 15(-6)
I have written x as you have not said how much he gets if he wins.