An insurance company charges a customer according to accident history. A customer who has had no accident during the last two years is charged $100 premium per year. A customer who has had an accident in each of the last two years is charged $400 annual premium. A customer who has an accident during only one of the past two years is charged $300. A customer who has had an accident during the last year has a 0.1 chance of having an accident during the current year. If a customer has not had an accident during the last year, there is only a 0.03 chance that he or she will have an accident during the current year. In the long run, what is the expected average premium paid by a customer per year