Suppose the risk of an airline accident for a major airline is 1% per year, with a beta of zero. If the riskfree rate is 4%, what is the actuarially fair premium for a policy that pays \($150\) million in the event of a loss? What is the NPV of purchasing insurance for an airline that would experience \($15\) million in financial distress costs and \($10\) million in issuance costs if it were uninsured in the event of a loss?