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Answer questions 8 to 12 using the following information. Suppose an insurance company insures drivers. Half of them are careless drivers where the fair actuarial premium is $1,500 per year. The other half are careful drivers where the fair actuarial premium is $150 per year. The insurance company does not know who is who. The company could ask the individuals what type of drivers they are. #8. Under this scheme who is the winner? #9. Under this scheme who is the loser? #10. The insurance company could admit that it has no idea who is a careful driver and who is not, and offers an average cost. What is this scheme called? #11. In the scheme described in question 10 will the insurance company break even since it is charging an average price? #12. How would the technique of creating separating equilibrium solve question 11