Union employees vote for a representative to negotiate on behalf of all workers. This representative negotiates 3%

increase in wages, but requires workers to contribute 15% of their $10,000/year health insurance rather than 10% last year. What is the net

gain or loss each worker (on average) receives or pays if the average worker makes $39,000 per year when both issues are factored?

a) $500 loss

b) $670 gain

c) $1,170 gain

d) $3,000 gain