Joan believes the best way to play roulette is to place a bet on a 6 block of numbers as the probability of winning is 6/38. Joan decides to place a $20 bet with this probability. Joan will win $100 (and keep the bet!) if one of the numbers comes up but will lose if any other number is shown, with a probability of 32/38. What is the expected value for Joan? Round to the nearest cent. Do not round until your final calculation.

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