Lucy and Henry each have $4547. Each knows that with 0.1 probability, they will lose 85% of their wealth. They both have the option of buying a units of insurance, with each unit costing $0.1. Each unit of insurance pays out $1 in the event the loss occurs. The cost of the insurance policy is paid regardless of whether the loss is incurred. Lucy's utility is given by u"(x) = x, Henry's utility is given by u"(x) = VX. Answer the following: (If rounding is needed, only round at the end and write your answer to three decimal places.)