Angelique has a small plane. Its replacement cost is 150,000. She wants to insure it in a local company (Insurer A), as she owns some stocks in this company. However, this insurer covers planes with a maximum limit of 100,000. Her insurance broker advises her to place another 50,000 with a second company (InsurerB). The broker also mentions that she has three options of provisions to use: pro rata liability, contribution by equal shares, and primary and excess insurance. Since she can make some profits on her stocks, she opts for the cheapest solution from InsurerA. How would you advise her, taking into account partial loss of 75,000? Explain your answer