Cost Breakdown (First 5 Years):
Year 1: Tobacco 0, Healthcare 500, Cumulative 500
Year 2: Tobacco 0, Healthcare 500, Cumulative 1000
Year 3: Tobacco 0, Healthcare 500, Cumulative 1500
Year 4: Tobacco 0, Healthcare 500, Cumulative 2000
Year 5: Tobacco 0, Healthcare 500, Cumulative 2500