Pizzas are to be delivered in 20 minutes (target). Pizzas delivered more than 10 minutes late incur a penalty of $2 off the pizza bill. Delivery costs are estimated at $2 but decline at the rate of $0.12 for each minute deviation from target. How much variation should be allowed in the delivery service if we assume the use of loss function for the penalty cost? 3.5 minutes 2 minutes 3 minutes 2.5 minutes