You have 2 indistinguishable urns in front of you. One of the urns has chips and chips. The other urn has chips and chips. You reach into one urn at random and select a chip. You are given the opportunity to pick another chip at random either from same urn as the first chip or at random from the other urn. Your payout is the value of the second chip you select. Under optimal gameplay, what is your expected payout?