John, Jill, and Sue have cargo on a ship. Each person's cargo is worth $$100,000$ and each individual purchases insurance to cover their own cargo. The ship runs into trouble and there is a fear that it may go down. In an attempt to save the boat, all of John's cargo is jettisoned. It appears that everything is going well, but after a couple additional hours, the ship goes down with all the cargo $($Thank goodness everyone survives!$).$ How will the insurance company's pay for the lost cargo?

Jill and Sue's insurance companies will each pay $$100,000$ for their lost cargo plus $\frac{1}{2}$ of John's loss since his cargo was jettisoned. John's insurer will pay nothing since he had no control over his cargo going down.

Jill and Sue's insurance companies will each pay $$100,000$ for their lost cargo. John is out of luck and won't collect since it was an intentional act that his cargo was jettisoned.

Jill and Sue's insurance companies will each pay $$100,000$ for their lost cargo plus $\frac{1}{3}$ of John's loss since his cargo was jettisoned. John's insurer will also pay $\frac{1}{3}$ of the value of his cargo.

Each insurer will pay the $$100,000$ associated with their insured's coverage.