For two individuals who have identical probabilities of being ill and identical monetary losses associated with being ill, but who have differing risk preferences: a. The actuarially fair premiums for both are the same. b. The actuarially fair premium is higher for the person who is more risk averse. c. The actuarially fair premium is higher for the person who is less risk averse. d. We do not have sufficient information to determine the relative magnitudes of the actuarially fair premiums for the two individuals. which choice is the right one