[ItalianFX]

How about this question:

A fair coin is flipped twice and the following payoffs are assigned to each of the four possible outcomes:

H-H: win 20, H-T: win 9, T-H: lose 7, T-T: lose 16.

What is the expected value of this gamble?

I'm thinking I know how to do this one, but I'm also thinking it's harder than I am figuring it to be.