III. John was driving down Main Street in the town of Wesley Hills, NY, in the middle of the night going 75 miles per hour in a 40 mile per hour zone.John's cell phone was ringing and while driving, he answered the phone.He swerved and hit a streetlight that fell over and landed on Dave, a homeless person, who was sleeping at a nearby bus stop.Margaret, an eighty-five-year-old widow, who lived down the block, was sleeping and heard the accident. She was so startled, she woke up, fell out of her bed, and tripped over her cat and broke her leg.Dave had no insurance and was taken to a local medical school that provided hospital care for the homeless. (a) Is John liable to Dave? Explain fully. (b) Is John liable to Margaret? Explain fully.