Value an American put option using a binomial lattice with the following attributes: 
Definitions:
Excessive Errors
A situation in which the number of mistakes in a task or process far exceeds the typical or acceptable standard.
Organizational Citizenship
Behaviors exhibited by employees that go beyond their basic job requirements to support the organization's environment and efficiency.
Health-Benefit Costs
The expenses associated with providing health care benefits to employees, including premiums for health insurance.
Disability Insurance
A type of insurance that provides financial support to individuals who are unable to work due to a disability.
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