Using the manual rating model, you have calculated the rate per $1,000 and total premium amount for the Mammoth Mart proposal, and you have provided both values to the sales representative. She is surprised by the rate and says it is much higher than it should be. She points out that the rate Sensible issued for another group last month, A Management, was also based on Sensible's rate manual, but it was much lower. The sales representative suggests that your calculation for Mammoth Mart must be wrong