Is this right ? if not please help me ! ILL GIVE BRAINLIEST *EXTRA POINTS*..
IM GIVING 40 POINTS !! DONT SKIP :((.

Shiny white dental insurance costs $258 per year. approximately one-third of insured people need a filling, which averages $110 each. 80% of insured people get a preventive check-up each year, and the average cost of this visit is $95. if you consider shiny white’s income and expenses, what is the expected value of each insured customer?

Any is very appreciated! (picture is provided below)not sure how to do this at all won't lie

What is the 12th term of b(n)=-4-2(n-1)