Table 1 Pricing Information Panel A Historical Loss Data Insurance Score Good Bad Territory Losses Car Years Losses Car Years Total Losses Total Car Years Oahu $1,500,000 2.000 $1.500,000 1,000 $3.000.000 3.000 Maui $500.000 1.000 $500,000 500 $1,000,000 1.500 Total $2.000.000 3,000 $2.000.000 1.500 $4.000.000 4.500 Panel B Londing factor : 50% 3.1. (2 points) What would be the expected loss (pure premium) for a driver who lives in Oahu and has good insurance score? 3.2. (2 points) Jessica, a young female driver, lives in Maui and has good insurance score. She owns two cars. What is the gross premium she needs to pay to insure both of her cars