Question 4* The nance division of an insurance company has estimated! collected the following data: Underwriting beta (u) -0.1 Funds generating factor (k) Market return UJM) Risk-free interest rate (rf) a) Determine the risk-adjusted expected return on underwriting that is equal to the market return. b) What is the required premium income if the expected loss is $ 20,000,000? c) Compare the traditional premimn calculation with the premium calculation that is based on the insurance CAPM (not more than three sentences)