Which Client Would Have the Highest Risk Exposure

Which client would have the highest risk exposure?

A) Miriam is a 40-year-old single client. She has no dependents and rents her apartment. Her annual income is $155,000. She has saved enough money to retire in the next two years.
B) Andrea is a 50-year-old married client. She and her husband have two children and rent their apartment. Andrea's annual income is $40,000. Her husband earns $150,000 per year, and they put most of Andrea's income in savings.
C) Mark is a 30-year-old single client. He has no dependents and rents his apartment. His annual income is $78,000. He has some savings. He is a self-employed lawyer.
D) Stephen is a 35-year-old married client. He and his wife have one child and rent their apartment. Stephen's annual income is $80,000. His wife also earns $80,000 per year, and they put half of their earnings in savings. Stephen is a doctor employed by a practice that pays his medical liability insurance.