The insurance carrier used by Wayne's Pool Service specifies 65% coinsurance. The company recently incurred $233,000 in damages from a tornado. The building was valued at $390,000, but was only insured for $209,000. What will the insurance company pay for the loss?

a.) $144,460.00

b.) $192,098.62

c.) $209,000.00

d.) $233,000.00