268. A farmer purchases a five-year insurance policy that covers crop destruction due to hail. Over the five-year period, the farmer will receive a benefit of 20 for each year in which hail destroys his crop, subject to a maximum of three benefit payments. The probability that hail will destroy the farmer’s crop in any given year is 0.5, independent of any other year. Calculate the expected benefit that the farmer will receive over the five-year period. (A) 30 (B) 34 (C) 40 (D) 46 (E) 50