27 Considering all of the following individuals, for who is a UL policy the preferable option? a. O Owen, who is easily overwhelmed with more complex products and prefers simple, guaranteed products. b. O Joanne, who earns an above-average, stable income and who is risk averse. c. O Susan, who is self admittedly not financially disciplined-if she can have access to her savings, she will use them when the urge strikes to buy high-priced items. d. O Gareth, a self-employed underwater welder who earns variable income from year to year and likes to be involved in the management of his financial affairs