Person A's 'wealth' is $100 and the utility function over wealth (w) is u(w) = w. A portion of the wealth is an asset valued at $36 (so $64 is in cash or some other secure asset). There is a 50% chance that the asset will be stolen this year. What is the most Stephon would pay for a 'full insurance' policy that would refund him the full $36 if his bike IS stolen?