A property-casualty insurance company has estimated the following required charges for its various risk classes (in millions): Risk RO R1 R2 R3 R4 R5 R4 R5 Total Description Affiliated P/C Fixed income Common stock Reinsurance Loss adjustment expense Written premiums Loss adjustment expense Written premiums RBC Charge $1 2 4 3 2 3 3 * 2 $20 a. What is the RBC charge as per the model recommended by the NAIC? b. If the firm currently has $8 million in capital, what should be its surplus to meet the minimum capital requirement