The following information is known regarding new and renewal policies (percentages of premium): (a) Assume that the manual rates include expenses for new policies and that the pure premium including loss adjustment expense is identical for new and renewal policies. Calculate the discount (in percentage) that should be indicated on a renewal policy. (b) Assume that, in addition to the expense savings on renewal policies, there is also a 10% savings on the pure premium on a renewal policy. What discount should now be indicated