For $400, an additional light can be installed on a boat. The additional light lowers the chance of an accident which would destroy the cargo from .0001 to 0 (zero). The cargo is worth $3,000,000. If the boat owner does not install the additional light and an accident occurs is the owner liable? Explain and show your calculations. How would your answer change if the additional light was only $200? Explain and show your calculations.