4.3. Giyen below is the data on combined ratio of Sunlight Insurance Company (SIC): 2014 2015 2016 2017T 2018 Combined ratio 197.50 % | 102.20 % 105.30 % | 96.50% 192.50% What are the components of this ratio and what does a high or low combined ratio indicate? Compare and contrast the results reported for each of the years. What other information might an analyst want to review before concluding this information