15.18. You are a risk-averse decision maker with a utility function , where I denotes your income expressed in thousands. Your income is $100,000

(thus, I "100). However, there is a 0.2 chance that you will have an accident that results in a loss of $20,000.

Now, suppose you have the opportunity to purchase an insurance policy that fully insures you against this loss

(i.e., that pays you $20,000 in the event that you incur the loss). What is the highest premium that you would be willing to pay for this insurance policy?