An underwriter for the Ponderosa Insurance Company evaluated Ryan Sancho, a proposed insured, using the numerical rating system that sets the standard mortality risk at 100. The underwriter assigned Mr. Sancho a credit of 30 because of good family health history, a debit of 30 because of his weight, and a debit of 40 because of elevated blood pressure. No other debits or credits were assigned. This information indicates that Mr. Sancho received a total numerical rating of