Question 1161066
J,Q,K  can show up, with probability 12/52
Ace can show up, with probability 4/52
Other cards (non-winners) have probability (52-12-4)/52 = 36/52<br>

Expected return = 5(12/52) + 15(4/52) - 5(36/52) = -60/52 = <b>-1.1538</b>