2	For this problem, assume earned premium is the same as the written premium. Here is a part of financials for State Auto Financial
	dollars in millions
		2018	2017	2016	2015	2014
	Earned Premiums	1,238.00	1,276.10	1,291.10	1,275.90	1,068.70
	Loss Ratio	64.30%	72%	73%	67.80%	72%
	Expense Ratio	36.30%	35.10%	33.50%	33.80%	34.50%
	Dividend Ratio	0.0%	0.0%	0.0%	0.0%	0.0%
	Combined Ratio
	Loss and Loss Adjustment Expenses
	Underwriting Expenses