D]111e Hand Rule Suppose that a barge may break loose from its moorings and crash into the dock. If it does, it will cause $10,000 of damage. Assume that the probability that the barge would break loose it the bargee is not present is 1%. However, ifthe crew is present, the probability ofthe barge breaking loose is reduced by half, to 0.5%. Paying the crew to stay on the barge will cost the barge owner $25. 20. What is the expected ha rm with no crew? 21. What is the expected ha rm with a crew? 22. Is maintaining a crew a cost-justied investment in precaution? 23. From the perspective of the Hand Rule, should failure to crew the barge be considered negligent