Insurance company A and B both insure homes throughout the northeast from fire damage. Company A insures 2,000 homes and expects to receive 40 claims this year. Company B insures 3,200 homes and expects to receive 32 claims this year. The actual number of claims for company A will range from 32 < 48. The actual number of claims for company B will range from 27 < 37. Who faces the most objective risk? Your answer must show the calculation (for each insurance company) that generates the answer to receive any credit.