An insurance company will insure a $130,000 home for its total value for an annual premium of $950. If the company spends $30 per year to service such a policy, the probability of total loss for such a home in a given year is 0.002 and a partial loss of $5000 is 0.005. If you assume that either total loss, $5000 partial loss or no loss will occur, what is the company’s expected annual gain (or profit) on such a policy?