Geoff and Hank are friends who are attending a "casino night" at a charity fundraiser. The event costs $100 to get in, which they have already paid. Once inside, there's a table at which you can gamble: for $10, you can flip a coin. If it comes up heads, you get $20 back, for a gain of $10. If it comes up tails, you get $2 back, for a loss of $8. Suppose Hank decides not to take the bet. Can we conclude from this that he is risk-averse?