请问the greatest amount of human capital at risk是相当于 highest human capital吗？

问题如下：

From Exhibit 1, the individual who has the greatest amount of human capital at risk is:

选项：

A.Jason. B.Marie. C.Henry.

解释：

Solution

C is correct. Human capital is the net present value of the individual’s future expected labor income weighted by the probability of surviving to each future age. According to the financial publication, Henry is in the highest-paying medical profession and, being the youngest, has the longest expected stream of future income. Therefore, he is most likely to have the highest human capital available and the most to lose if the stream is not realized.

B is incorrect. Although Marie is in one of the top paying medical professions, if she does retire in two years as planned, she has little in the way of human capital remaining. Her total wealth is likely high due to the accumulation of financial assets over time as her human capital was monetized.

A is incorrect. The nature of Jason’s income is likely much lower than that of Henry: Henry is in the highest paid medical specialty while Jason is a medical technician. In addition, Jason’s employment earnings stream is likely of a much shorter duration as well: if both he and Henry retire at 65, he has only 15 working years remaining while Henry has 35.