1. A bag contains 3 gold marbles, 9 silver marbles, and 26 black marbles. Someone offers to play this game: You randomly select one marble from the bag. If it is gold, you win $4. If it is silver, you win $2. If it is black, you lose $1. What is your expected value if you play this game?

2. A 40-year-old man in the U.S. has a 0.242% risk of dying during the next year . An insurance company charges $260 per year for a life-insurance policy that pays a $100,000 death benefit. What is the expected value for the person buying the insurance? Round your answer to the nearest dollar. Expected Value for the year is $______.