When a bank makes its loans, if it screens its borrowers it will collect repayment revenue of $4,000 per loan, but if it doesn't screen its borrowers then it will collect $4,000 per loan with probability 0.85 and collect $1,000 with probability 0.15. The cost of screening is $200 per loan. In this case, the expected payoff for the bank from screening is ____ and the expected payoff from not screening is --- $3,200; $3,550 $3,200; $3,400 $3,800; $3,400 $3,800; $3,550