Can I have help with d. please?

An insurer estimates property loss with the following probability distribution:

$100,000 with probability 0.01

Loss = $70,000 with probability 0.02

$20,000 with probability 0.04

$0 with probability 0.93

1. Calculate the expected claim cost per policy. $3,200

(100,000 x 0.01) + (70,000 x 0.02) + (20,000 x 0.04) + (0 x 0.93) = 3200

2. Assume that claims are paid one year after premiums are received and that the interest rate is 3 percent. Calculate the discounted expected claim cost per policy. $3,106

3200/1.03 = 3106.796

3. Assume that the only administrative cost is the cost of processing an application in the beginning of the period which equals $200 per policy and that the fair profit loading is $100. What is the fair premium? $3,406

PV of E(L) + loading = 3,106+ 100 + 200 = 3,406

4. Using the expected claim cost in (a), lets reconsider losses: Let the loss adjustment expenses equal 8 percent of expected claim cost. These are paid at the same time that claims are paid. If claims are paid two years after the premium is collected what is the fair premium now (ignoring administrative cost and fair profit loading)? $3,257.61