Two groups of surfers are all looking to buy health insurance before their next big trip to Hawaii. One group is very experienced but trying bigger waves. They have a risk of injury of 10%, but if they do get injured, they will suffer a bill of $13,000. The second group is less experienced and trying smaller waves. They have a 18% chance of getting injured, but the injury will only cost them $8,000. There are 15 very experienced surfers and 13 less experienced.Eight of the experienced group have a utility function of:

\fU(W In WU(w 7.5w + 200