10. A company has insurance coverage to pay for its indirect cost each time it closes down from a devastating calamity such as hurricane, tornado, flood, and snowstorm. Suppose that the policy pays $50,000 for each calamity that causes the company to shut down temporarily, except for the first calamity, for which it pays nothing. Furthermore, suppose that such calamities occur at a Poisson rate of 4/3 per year. Find the expected amount paid to the company each year under this policy.