Accident records collected by an automobile insurance company give the following information: The probability that an insured driver has an automobile accident is 0.16; if an accident has occurred, the damage to the vehicle amounts to 25% of its market value with probability 0.9, 70% of its market value with probability 0.13, and a total loss with probability 0.06. What premium (in dollars) should the company charge on a $36,000 car so that the expected gain by the company is zero?