This is the flowchart of an underwriting process in an insurance company. A clerk takes 30 minutes to review and distribute a request. An underwriter takes 40 minutes to evaluate and a rater takes 48 minutes to rate the request. Finally, a writer needs 50 minutes to finalize the policy with the customer. Assuming 3 new job arrives per hour. (a) Can this process have a bottleneck? If so, which activity could be the bottleneck? [10 pts] (b) What is the flow rate of the process? [10 pts]