An individual has 40,000 in income per year. The person will get sick with probability 0.1. If he does get sick, the medical bills will total 30,000. The following tables shows the utility derived from certain amounts of income: Income Utility 40,000 200 37,000 195 35,000 190 30,000 170 20,000 140 10,000 100 Considering the probability of illness, what is the expected utility of income without insurance? Show your work.

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