Sofia lives in the suburbs of a city and works in the city center. Every day she uses her bike to reach her office and then to return home because she has no driving license and there is no public transportation available near her house. One day, Sofia injured a child, 7-year old Frank, when she failed to stop at a red light. Frank broke both hands and also suffered a mild concussion. He spent a few weeks in a hospital. After the accident a court awards a liability judgment of 120,000 against Sofia. She has two third- party liability insurance policies covering losses occurred while riding a bike. The first policy (insurer ABC) is a special bike insurance with a liability limit of 50,000, the second one is a private liability insurance in a homeowners insurance package with a liability limit of 100,000 (insurer XYZ). How much, if any, will each of Sofia's insurer pay, if she has the following provisions? a. Pro rata liability. b. Contribution by equal shares. c. Primary (insurer XYZ) and excess (insurer ABC) insurance.