Total expenses for a portfolio of 5,000 independent insureds is assumed to follow a normal distribution such that S N( = 1, 000, 000, = 50, 000). What is the shifted distribution of the added cost of 1$ per insured?If the insurer's goal is to reduce its reserve set at a 95% level, what percentage of reduction in variance is necessary for the system to be worthwhile. USE Z=1.645