An Insurance company started operating at 01.01.2019, having zero operational expenses and pursuing gain in 30% of the earned premium. The Company issues each day a contract with annual premium equal to 1000 €. We assume that a year has 360 days. The claims occure are announced and settled immediately. In year 2019 the company paid claims of 150.000 €. If you were the Actuary in the particular company would you suggest adjustment of the individual premium of 1000 € and in what percentage?