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 is the company's combined ratio? O 0.975 0.980 0.995 @ 1.020