Everyone in the subdivision where Cornell is purchasing a new home must be a member of the subdivision's home owners' association. Only 10 homes have been constructed at this point, but the builder plans to eventually end up with 100 homes if buyer interest continues. A key feature of this subdivision is its clubhouse, built at a cost of $1 million. Cornell discovers that the association has $800,000 of replacement cost insurance on this clubhouse. If the clubhouse is totally destroyed, Cornell will most likely face a $2,000 assessment if there are ________ home owners in the association at the time of the loss. 

a. 10 

b. 20 

c. 50 

d. 100