You live in an area that has a possibility of incurring a massive earthquake, so you are considering buying earthquake insurance on your home at an annual cost of $1000. The probability of an earthquake damaging your home during one year is 0.001. If this happens, you estimate that the cost of the damage {fully covered by earthquake insurance) will be $160,000. The current market value of the house is $400,000. a} Build the decision tree for the problem. Based on the Expected Net Payoff analysis, should you buy the insurance