Total expenses for a portfolio of 5,000 independent insureds is assumed to follow a normal distribution such that S N( = 1, 000, 000, = 50, 000). The insurer is considering implementing a new claim evaluation system that will add a fixed cost per insured of 1$, but should greatly reduce variance. If the insurer's goal is to reduce its reserve set at a 95% level, what percentage of reduction in variance is necessary for the system to be worthwhile z=1.645. HINT its a shifted distribution with u=1005000