22. Which of the following scenarios is NOT an example of risk management? a. A household purchases life insurance in the event of the premature death of the primary breadwinner. b. A framer enters into a futures contract for the sale of his wheat in case the price of wheat falls in the future. C. A speculator purchases a call option so that he can purchase the underlying stock at the specified price in the event its price goes up. d. An investor purchases a put option on a stock he already owns so that he can sell it at the specified price if its price drops