Based on the following information, determine the policyholders' surplus for XYZ Insurance Company: Total invested assets Loss reserves Total liabilities Bonds Unearned premium reserve Total assets $50,000,000 40,000,000 70,000,000 35,000,000 25,000,000 90,000,000 Select an answer and submit. For keyboard navigation, use the up/down arrow keys to select an answer. a $ 15 million b $ 20 million $ 25 million d $ 30 million