you should expect

Any given year you should expect certain things. You can expect to see some horrifying act of terror, for example. A new beheading of a man in orange is a shock and will make you want to never leave the house, but not if you have budgeted for it. A new mass shooting in a mall or school can cripple you for a day but not if you’ve budgeted for it. That’s this month’s shooting, you can say. And if there isn’t a shooting that month, all the better. You’ve come out ahead on the ledger. You have a surplus. A refund.