A tank behind Andr's service station has leaked a large quantity of heating oil into the soil below. If left uncontained, experts estimate a 5 percent chance that the oil will contaminate local drinking water and cause $1 million worth of illness, and an additional 1 percent chance that the oil will reach both the local aquifer and neighboring waterways, causing an additional $2 million worth of damage. If these are the only risk factors, what is the expected value of damage from Andr's tank?