An insurance company has $750 million in assets and $728 in liabilities at year end 2017. It also had $236 million in premium revenue, $75 million in investment income, $217 million in claims, and $13 million in operating/administrative expenses. The company underestimated its loss reserves by $10 million. What happened to its policyholders' surplus/deficit as a result of correcting this underestimate? Its surplus was increased by 10 million to $32 million. Its surplus was reduced by 10 million to $12 million Its surplus turned into a deficit Nothing happened to its policyholders' surplus