5. An insurer issues a portfolio of 100 independent auto insiurance policies. One half of these policies have an ordinary deductible of 100 and the other half have no deductible. Assume that (i) the number of losses per year per policy has a Poisson with mean 0.02; and (ii) the loss amount X, given that it occurs, has the probability function p(50) = p(150) = p(200) = 1/3. a) 5 pts Determine the expected aggregate payments.b) 5 pts Determine the probability that the aggregate payments are less than 200