My brother just charged his friend ${S} for offering a bet: if the temperature of tomorrow is above 63, my brother will pay 1.5 times ${S} to his friend; if the temperature is below 63 tomorrow, my brother will pay 0.5 times ${S} to his friend. I do not want my brother to lose money when tomorrow's temperature is above 63 and decide to buy an insurance that will make my brother break even when tomorrow's temperature is above 63 (in other words, the insurance policy will pay my brother 0.5 times ${S} when tomorrow's temperature is above 63). If risk free rate is zero, how much should I pay for this insurance (keep two decimal places)?