10. Based on the following table, the ending balance of the second year of the three-year finite risk insurance plan is $ Year 1 Year 2 Year 3 At Beginning of Year (in thousands) Balance from previous year $ 0 Premium 4,000 4.000 4,000 Insurer's fee 400 400 400 Begirming belance 3.600 At End of Year in thousands) Claim payments 3,000 14.000 1.000 Interest on beginning balance 216 284 Ending balance