Bravo Insurance Company (Bravo) has premiums written of $5,00,000; premitums earned of $4,000,000, net investment income of $400,000, realized capital gains of $200,000 losses and LAE incurred of $3,000,000 : and underwriting expenses incurred of $1,000,000, What is Bravo' operating ratio? 85% 95% Nome of the above