disaster except floods and earthquakes. temporary facilities; overtime to keep up with production demands; recompiling of business, financial, and legal records; and even the salaries of key employees$).$

$($a$)$ If you have purchased coverage amounting to $$40,000$ per month, what is the amount of your annual premium $($in $ $)?$ $

$($b$)$ If a tornado put your company out of business for $4\frac{1}{2}$ months, what would be the amount of the insurance reimbursement for your economic loss $($in $ $)?$