Qantas faces a 2% chance of a potential loss of $600 million next year. If Qantas implements new safety policies, it can reduce the chance of this loss to 1%, but the new safety policies have an upfront cost ch $2 million. Suppose that the risk-free rate of interest is 5%. If Qantas is uninsured, the NPV of implementing the new safety policies is closest to: Select one: a. $4.20 million b. $3.71 million c. $3.51 million d. $3.81 million