2. Some people are good drivers and others bad drivers. The former have a 10% chance of crashing their cars and the latter have a 30% chance. All have a total wealth of $400 but this will fall to $100 if they crash their cars. In other words, each will lose $300 if they crash. Furthermore, all drivers have U(W) = Suppose an insurer wishes to offer a pair of policies to all drivers. Each policy is designed to break even (zero profit) given the people that choose to buy that policy. The first policy has a premium of S90 and covers al losses (i.e., will pay 8300 in the event of a crash. The second policy has a premium of S5 and will pay $50 in the event of a crash. Who will buy which policy? Will the insurer, (a) make a profit, (b) break even or (c) lose money