ITEM	DESCRIPTION	AMOUNT
Insurance	The insurance premiums.	R 31,500,000.00
	opportunity cost
Unreimbursed losses	In this instance with due to the electricity shortages, of stock in the warehouse was damaged in terms of the insurance policy, this event type is insured and has an annual limit of R10million.	R 3,500,000.00
	which was planned retention.
Risk control and loss prevention	non-executive directors	R 765,500.00
	The chairman
	Generators
	Purchase & and import of generator
Admin expenses		R 8,500,000.00

5. Evaluate the risk retention strategy of the company based on the cost of risk framework.