Refer to the data provided in the table below to answer the question that follows. The table shows the relationship between income and utility for Terri.

Income	Total Utility
$0	0
$20,000	10
$40,000	25
$60,000	45
$80,000	75

Suppose Terri has a 25% chance of becoming disabled in any given year. If she does become disabled, she will earn $0. If Terri does not become disabled, she will earn her usual salary of $80,000. Terri has the opportunity to purchase disability insurance for $20,000 which will pay her her full salary in the event she becomes disabled. Terri's utility with the policy is _____ and her expected utility without the policy is _____.

A.

18.75; 37.5

B.

45; 18.75

C.

45; 56.25

D.

56.25; 45