A $40-$year$-$old man in the U$.$S$.$ has a $\backslash (0\mathrm{.}249\backslash \%\backslash )$ risk of dying during the next year. An insurance company charges $\backslash (\backslash$$ $300\backslash )$ per year for a life$-$insurance policy that pays a $\backslash (\backslash$$ $100,000\backslash )$ death benefit. What is the expected value for the person buying the insurance? Round your answer to the nearest cent. Be careful with negative signs. Expected Value: $\backslash$$ for the year