An individual has 40,000 in income per year.The person will get sick with probability 0.1.If he does get sick, the medical bills will total 30,000.The following tables shows the utility derived from certain amounts of income:

Income

40,000

37,000

35,000

30,000

20,000

10,000

Utility

200

195

190

170

140

100

Considering the probability of illness, what is the expected utility of income without insurance? Show your work.