An insurance company starts a new line of insurance at the start of July $2021.$ It sells policies at a uniform rate throughout $2021,$ and for the first half of $2022.$ It then sells policies at a new rate that is $30\%$ lower during the second half of $2022.$ It finds that by increasing its premium by $10\%,$ it would have achieved the desired loss ratio for accident year $2022.$ The actuary estimates inflation is $5\%.$ By how much should the premiums increase for policy year $2025,$ assuming policies are sold uniformly during $2024?$