A P&C insurance company has collected $4 million in premiums. Its estimated loss and expense ratios are 54.5% and 6.5%, respectively. Dividends of $100,000 are prepared for shareholders. The expected total investment income is $150,000. What will be the profit in dollars for this insurer? Now, the actual loss ratio rises to 80% and 10% is the revised expense ratio. Even with a loss of $500,000 from the investment, dividends still cannot be cut. To stay alive, how much percentage of increase in premiums is needed?