A consulting firm is choosing a pricing model for a contract whose usage level is uncertain. State probabilities are 25% low usage, 50% typical usage, 25% high usage. Payoffs are Fixed fee: low usage $90,000, typical usage $90,000, high usage $90,000; Premium retainer: low usage $105,000, typical usage $118,000, high usage $118,000; Usage fee: low usage $42,000, typical usage $98,000, high usage $170,000; Hybrid fee: low usage $70,000, typical usage $110,000, high usage $145,000. The objective is to minimize expected regret, where regret in a state equals the best payoff in that state minus the option's payoff. Which option should be selected?