Use a decision tree to illustrate how a risk-averse kidney patient would make a decision about whether to have a transplant operation. The patient currently uses a dialysis machine, which lowers her utility. If the operation is successful, her utility will return to its level before the onset of her kidney problems. However, she faces a 5% probability that she will die if she has the operation. (If it will help, make up utility numbers to illustrate your answer.)