Matt's utility function is given by U = ln(C), where C is consumption. He earns $45,000 per year and races stock cars in his spare time. There's a 10% chance that he will crash on the racetrack in the next 12 months and incur medical costs of $15,000. He will also have to miss work and will lose about $5,000 in earnings. Assume he buys insurance to cover medical expenses and forgone wages. What is Matt's expected utility if he buys the insurance policy at the actuarially fair price?