Desjardins is a car insurance company which sells annual car insurance policies and enjoys a 90% repeat rate. In 2021 , the company had 100,000 active policies. In 2022 , the company sold an additional 20,000 policies to new customers. What is the expected Penetration for the company in 2022? 100,000 Policies 90,000 Policies 120% 110,000 Policies