3. An insurer has the following losses for four policyholders in 5 years: Year 1 Year 2 Year 3 Year 4 Year 5 Policyholder A 0.45 1.41 0.10 0.45 2.15 Policyholder B 4.10 0.01 2.06 0.03 0.02 Policyholder C 0.50 2.84 0.96 0.01 0.59 Policyholder D 0.06 2.72 0.07 0.98 0.10 Using the nonparametric empirical Bayes estimation, calculate the Bhlmann credibility estimate for Policyholder A. 3. An insurer has the following losses for four policyholders in 5 years: Year 1 Year 2 Year 3 Year 4 Year 5 Policyholder A 0.45 1.41 0.10 0.45 2.15 Policyholder B 4.10 0.01 2.06 0.03 0.02 Policyholder C 0.50 2.84 0.96 0.01 0.59 Policyholder D 0.06 2.72 0.07 0.98 0.10 Using the nonparametric empirical Bayes estimation, calculate the Bhlmann credibility estimate for Policyholder A