This is the prompt: "Suppose you work for an insurance company and you are asked to do a cost analysis for an insurance product against hurricane damages to protect homeowners in a Gulf state city. The average per-storm damage (loss) for each household in this city is estimated as follows: For a category 1 hurricane: $3,000 per household For a category 2 hurricane: $4,500 per household For a category 3 hurricane: $8,000 per household For a category 4 hurricane: $13,000 per household For a category 5 hurricane: $20,000 per household The average return periods of hurricanes in the five categories for this city are the following: Category 1: 8 years Category 2: 16 years Category 3: 32 years Category 4: 64 years Category 5: 128 years". Ready for questions