Persons 1 and 2 each have a 20% probability of suffering a $50,000 loss. Persons 1 and 2 risks have zero correlation. Persons 1 and 2 decide to pool their risk and evenly split the cost if either suffers the $50,000. What is the total expected loss for the risk pool?

a. $10,000

b. $2,000

c. $5,000

d. $4,000