Fill in the highlighted Blank rows in the table below:
Assume:
Earned Premium includes a fixed cost of 20 dollars per vehicle
Variable Premium = Total Earned Premium - Expense Cost
Variable Loss Ratio = Losses / Variable Premium
Age	Drivers	Vehicles	Inquiry Count	Sold Count	Average Earned Premium	Average Losses	Total Variable Premium	Variable Loss Ratio	Closure Ratio
20-29	1	1	1,616	510	$ 520.60	$ 392.45
30-59	1	1	754	312	$ 463.33	$ 402.45
60+	1	1	1,138	410	$ 449.43	$ 301.45
20-29	2	2	1,114	210	$ 623.69	$ 354.34
30-59	2	2	1,322	510	$ 543.93	$ 457.34
60+	2	2	518	178	$ 528.37	$ 414.02
20-29	1	2	880	192	$ 566.63	$ 356.76
30-59	1	2	1,496	489	$ 506.50	$ 400.00
60+	1	2	1,456	420	$ 491.91	$ 367.87
20-29	2	1	1,302	386	$ 530.24	$ 357.21
30-59	2	1	1,210	400	$ 483.40	$ 418.48
60+	2	1	1,426	435	$ 467.76	$ 361.23
Total	Total	Total
Questions:
What is the overall Variable Loss Ratio?
___%
What is the overall Average Earned Premium?
$___
What is the overall Closure Ratio?
___%
What are your initial observations on the profiles? Please explain in full detail
If the target variable loss ratio is 77%, what steps would you take to reach that target? Please explain in full detail

The company has identified four profiles based on their growth and profit performance.
Profile A: Low Policy Growth, Profitable	Profile C: Low Policy Growth, Unprofitable
Profile B: High Policy Growth, Profitable	Profile D: High Policy Growth, Unprofitable
What action(s) do you think the company will take on each profile (if any)? Explain your reasoning.

Fill in the highlighted cells in the source of business tables using the data given below.
	2021	2022		Internet				Phone
Phone Sales	4,000	2,675			2021	2022			2021	2022
Agent Sales	700	665		Inquiries				Inquiries
Internet Sales	3,000	5,800		Group Rejects				Group Rejects
Phone Quotes	10,500	7,000		Sales				Sales
GFR Quotes	1,000	950		Productivity Ratio				Productivity Ratio
Internet Quotes	10,000	18,000		Closure Ratio				Closure Ratio
Phone Group Rejects	263	175
GFR Group Rejects	25	24
Internet Group Rejects	250	450		GFR				All Sources
					2021	2022			2021	2022
				Inquiries				Inquiries
				Group Rejects				Group Rejects
				Sales				Sales
				Productivity Ratio				Productivity Ratio
				Closure Ratio				Closure Ratio
Questions:
What is the growth rate of total sales from 2021 to 2022?
___%
Fully explain what accounts for the changes that are seen from sales between 2021 and 2022.
What is the Closure Ratio for Internet Source for 2022?
___%
What is the Productivity Ratio for All Sources for 2021?
___%
What is the change in Internet Distribution from 2021 to 2022?
___%

	Below it the printing information for two locations.
	Location	A	B
	Print Operator cost per unit	$ 0.01	$ 1.18
	Postage per unit	$ 0.43	$ 0.51
	Paper Cost per unit	$ 0.01	$ 0.01
	Envelope Cost per unit	$ 0.01	$ 0.01
	Total Estimated yearly cost
	Using the information above, calculate the estimated yearly printing costs between these two locations using an estimated yearly volume is 84,000 units. Provide a reccomendation on which location should be used for printing and why.