Not to sound callous but maybe they incorporate future expecting earnings of someone living in Flint, MI in their calculations somehow.

EDIT: I know there is a rule against discussing downvotes, but this is a factual statement and the notion that this comment isn't relevant or doesn't enhance the conversation (for anyone who downvoted me) is an affront to any semblance of being capable of reasonable discourse in civil society - any downvoters should really reflect on what makes you feel like a statement made by a poster is actually what the poster thinks may or may not be right vs. your feelings of the post upsetting you.