I can see that the individual's chances may be totally different than the 14.3% of the group... Just like the bare headers here are saying their chances are lower of needing a helmet than the group because of where they ride, how they ride, their skill level... The individual can often have a different chance than the group because he doesn't fit the pre-disposition, profile of that particular event... JMO as I see it... As Tiglath is saying, statists like the 14.3% for heart attacks apply to hospital preparedness but for the individual, not so much, depending on lifestyle, hereditary traits... A particular individual could have a basically 0.0% chance of dying from a heart attack depending on lifestyle, and hereditary traits... JMO