Both stock A and stock B sell at $59.5 per share. After one month, stock A’s value has a 50% chance of going up to $60, a 30% chance of going up to $70, and a 20% chance of going down to $45. For stock B, there is a 15% chance that it will go down to $35, a 75% chance that it will go up to $63, and a 10% chance that it will go up to $75. The prices of the two stocks are not correlated. A rational individual has a utility function of U(I) = √100I, where I is his income. Is this individual risk-averse, risk-neutral, or risk-loving?