David, the promoter of an outdoor concert, expects a net profit of $$100,000,$ unless it rains, which would reduce the net profit to $$30,000.$ The probability of rain is $0\mathrm{.}25.$ For a premium of $$28,000$ David can purchase insurance coverage that would pay him $$100,000$ in case of rain. Based on expected values, which is David's wiser choice in this situation?