Insurance Pricing Question

$100,000 with prob. 0.02 $20,000 with prob. 0.08 0 with prob. 0.90 Los s= Find Fair Premium if policy provides full coverage . underwriting costs-20% of pure premium claims are paid at end of year interest rate-8% claim processing costs $5,000 . . fair profit-5% of pure premium H&N, Ch. 8