(Table: Total Utility II) Income Qingling's Huian's Total Total Utility Utility 0 20,000 100 200 40,000 195 300 60,000 285 350 80,000 370 375 100,000 450 387 Because Qingling is risk averse than Huian, Huian will pay the risk premium. O less; smaller less; larger more; smaller O more; larger