Risk of Property Loss ERL faces the risk of property losses due to fire and theft. The probability distribution of the property loss is given below. Risk of Legal Liability ERL also faces the risk of legal liability losses due to potential harm done to its customers or other third party due to its business. The loss distribution of its legal liability risk is given below. ERL can buy two separate insurance policies to cover its property (fire and theft) and liability risk. What is the per year cost of coverage (in '000 \$) through insurance for both the risks? Note: You may assume that there is no bundling or pooling discount available from the insurance company for buying insurance for both the risks. 20 24 40 48