3. The following is the experience of Insurer B for the last three years: (Continued) d. For each of the three years, calculate the probability that an Iexposure unit will file a claim. e. What is the average frequency of losses? f. What is the average severity of the losses? g. What is the standard deviation of the losses? h. Calculate the coefficient of variation. Year Number of Exposures Number of Collision Claims Collision Losses ($) 20,000 975 650,000 W N H 20,000 730 850,000 20,000 820 900,000