A pizza in the oven at 'The Lame Duck' restaurant catches fire one evening and causes damage to the oven. The actual value of the oven at the time of the fire was $15 000. The oven was insured with HIMYM Insurance. The policy contained the following clause: 'This contract of insurance is subject to average.'

(a) State the correct amount of the fire insurance payout in each of the following circumstances:

(i) The loss amounted to $12 000 and the oven was insured for $10 000.

(ii) The loss amounted to $9000 and the oven was insured for $5000.

(b) Assume Johnny had insured the oven twice, the other policy covering him for $15000. How much would he receive from both policies under (a)(ii) above?