Unlucky Louie has decided to try his cash management skills in other areas of investments. Louie notices that 1-year U.S. Treasury bills offer an annualized yield of 8 percent at the same time that an alternative 1-year investment offers a return of 10 percent (assume annual compounding). Assume that the U.S. Treasury bill cannot default but that the alternative investment has a 97 percent chance of paying fully and a 3 percent chance of paying nothing. What is the expected cash flow from investing $100,000 in the alternative investment?