3) You are now to use the data set in part II and utilize Segmentation to address the business scenario below: You want to offer your customers a discount on annual premiums to consistent users of (hands free Bluetooth and text to audio) style components in their car that drive mostly on local roads. You are an underwriter and you want to adjust annual premiums for these drivers, but you know that many of them are high speed drivers (e.g. they drive well above the speed limit). How low a premium can you charge these drivers assuming that your margin has to be at least 300% above the expected 3-year claim payouts? Provide a visual of your decision tree and the annual premium amount that you would charge