Mel Is Thinking of Going on a Cruise

Mel is thinking of going on a cruise.Mel values a cruise in nice weather at $2,000 and values a cruise in bad weather at $50.According to a very reliable source,the probability of nice weather is 60% and the probability of bad weather is 40%.Trip insurance is sometimes available.If purchased,it allows travelers to delay the cruise until the weather is nice.
Mels' friend Flo is risk-averse.Flo's reservation prices for cruises under the different weather conditions are the same as Mel's.Flo will

A) always buy trip insurance.
B) never be willing to pay more than $500 for a cruise.
C) be willing to pay more for trip insurance than Mel.
D) be willing to pay the same amount for trip insurance than Mel.