A 20-year fully discrete endowment insurance with a benefit of 1000 for (60) has the following characteristics: (i) Mortality follows the illustrative life table with i= 0.05. (ii) Gross premiums are determined by the equivalence principle. (iii) Expenses are 55% of the first year premium, 5% of the renewal premium, plus initial expenses of 100 and renewal expenses of 2 paid at the beginning of each year except the first. Calculate the probability that the future gross loss in question will be negative.