Johanna places a combination trade as follows: she buys one share of VanHoutte long for $10.50 and at the same time she buys a call on VanHoutte that has an exercise price of $11.50 and a premium of $1.85. What is the combined profit or loss on the TWO trades if at the time of expiration of the call option VanHoutte is trading at $8.90 per share? Assume that she gets out of her long position at the same time her option expires.