label these groups with arbitrary letters (inaudible) hard to reference so we just call this a, b, c, we call this x, y, z now we are going to make a table using combinations of this so like ax which is 0 accidents in the last 3 years for under 25 years of age has a frequency of 74 so the (inaudible) observed for ax is 74 the (inaudible) for ay is 90, we are just going to create a vertical column of that information so its going make this so much easier so now we have got each combo, there will be 9 of them cause we have 9 different data points, here is our frequencies carried over from the table, now we are going to generate these so for the first one, the expected for ax, is going to be the row total of a times the column total of x divided by (inaudible) so for