Mrs. Cook's home is 4,000 square feet. Her house is located in an area that is free from weather perils. Mrs. Cook insures her house with Premier Insurance. Premier Insurance's table of replacement costs indicates that the cost per square foot to replace her home is $90. And the location modifier for this home is 1.3. The rate per dollar of insured value charged by Premier Insurance is .004. a) What is the replacement cost for Mrs. Cook's home? Show your calculations b) What is the annual insurance premium that Mrs. Cook has to pay? Show your calculations. (Assume that there is no charge for liability and medical expense coverage.) c) If Mrs. Cook's home were located in an area that is exposed to tornadoes, would the rate per dollar of insured value charged to Mrs. Cook be equal to .004, less than .004. or more than .004? d) If Mrs. Cook's home were located in an area that is exposed to tornadoes, would Mrs. Cook's annual insurance premium be the same as, smaller than, or larger than the premium that you calculated in part (b) of this question? Why