Where is the logic with this trinomial probability?

Question

I am studying for Exam P to take in a few hours so I'd appreciate very much if someone got to me befoe I left. The problem says that we have three categories of risk, high, medium and low risk. The portion of people that fall into the high risk category is $20%$, medium is $40%$, and low is also $40%$. A random sample of four policyholders is chosen. What is the probability that the number of low risk policy holders exceeds the number of medium risk policyholders by at least 2? The solutions say this is trinomial problem where $$P(H=h,M=m,L=l)= {n \choose h}{{n-h} \choose m}(p_H)^h(p_M)^m(p_L)^l$$ I don't see where this distribution is come up with. It doesn't make sense to me. I feel it should be: $$P(H=h,M=m,L=l)= {n \choose h}{{n-h} \choose m}{{n-h-m} \choose l}(p_H)^h(p_M)^m(p_L)^l$$ Is there any way to explain this?

Answer 1

Since $n=h+m+l$, we have $n-h-m=l$.

Thus your term $\binom{n-h-m}{l}$ is just $\binom{l}{l}$, which is $1$. So your formula and the given formula give exactly the same answer.

Answer 2

By analogy, a binomial distribution looks like

$$\binom{n}{h} (p_H)^h \, (p_L)^{n-h} $$

Note only one binomail coefficient is used. Now imagine $p_H \leftarrow p_H + p_M$.