A raffle is being held to benefit the local animal shelter. They sell 656 tickets that do not win any prize, 20 tickets that win a free adoption (valued at $20), and one ticket that wins $156 worth of pet supplies and toys. If they are selling the tickets for $5 each, how much should the shelter expect to earn for each ticket sold?

A new game is being introduced at the Hard Rock Cafe. A ball is spun around a wheel until it comes to rest in one of many spots. Whatever is listed in that spot will be the player's winnings. If the wheel has 12 spots labeled $1, 17 spots labeled $2, and 8 spots labeled $10, how much should a player expect to win on average?

Round to the nearest cent.

Phil Dunphy, a real estate agent, is considering whether he should list an unusual $433,072 house for sale. If he lists it, he will need to spend $4,798 in advertising, staging, and fresh cookies. The current owner has given Phil 6 months to sell the house. If he sells it, he will receive a commission of $18,884. If he is unable to sell the house, he will lose the listing and his expenses. Phil estimates the probability of selling this house in 6 months to be 55%. What is the expected profit on this listing?

Brandybuck Insurance Company (BIC) is deciding whether to insure the lives of those leading a quest to Moria. Based on past experience, the probability of surviving such a quest is 96.8%. If BIC charges a premium of 8,631 silver coins and would pay a death benefit of 22,977 silver coins if the insured were to die, what is the expected value of this insurance policy to BIC?

Round to the nearest silver coin as needed. If the expected value is a loss to BIC, enter your answer as a negative number.