please answer question 16,17,18 and show work

16) The expected loss ratio for a class of business is 60 percent. What change would be indicated in the level of rates under the loss ratio method if the actual loss ratio turned out to be 68 percent? A) 6.67 percent B) 13.33 percent C) 25.00 percent D) 33.33 percent 17) XYZ Insurance Company uses class rating to determine the rate to charge for insurance. For one type of insurance, the pure premium XYZ actuaries calculated is $75 per unit. If XYZ's expense ratio is 25 percent, what is the gross rate for coverage? A) $37.50 B) S55.25 C) $75.00 D) $100.00 18) Lisa has three fire insurance policies on her office building. The policy from company A is for $400,000, and the policies from companies B and C are for $100,000 each. If Lisa has a $360,000 loss, how much of the loss will be covered by each policy if the loss is settled on a pro rata basis by the insurers? A) each policy: $120,000 B) policy A: S160,000; policies B and C: $100,000 each C) policy A: $240,000; policies B and C: $60,000 each licy A: $360,00; policies B and C: nothing