Atrap and Bracken are two rival insurance companies. Atrap and Bracken have premiums of $150 and $100 and deductibles of $2,500 and $3,500 respectively. The average expense of surgery is $25,000.

If after 1 year, 5 of the 1,000 people registered with Atrap have gone through surgery, where does Atrap stand in terms of gains or losses?

-$3,000
30,000
-$24,500
$37,500
-$7,500