What is the capital structure of this company? (capital and surplus divided by total assets) NARRBEGIN: TABLE 4.5 Table 4.5 A Hypothetical Balance Sheet of a Hypothetical Life Insurance Firm with Its Asset Allocation Mix (in Millions of Dollars)-Risks and ERM Assets Liabilities and Capital and Surplus Bonds: risks of junk bonds and nonperforming, mortgage-backed securities. $1,800 Loans and advances $10 Stocks: risks of the market fluctuations 990 Life insurance and annuities reserves [risk of catastrophes and miscalculations by actuaries (longevity risk) and lack of underwriting 950 260 Pension fund reserves: risk of inability to keep the promises of the guarantees 1,200 Mortgages: risk of nonperforming mortgages, no liquidity Real Estate: risks of real estate collapse and lack of liquidity Policy Loans: risk of inability of policyholders to pay 50 Taxes payable 25 110 Miscellaneous liabilities 650 Miscellaneous 120 Total Liabilities 2,835 $495 Capital and Surplus Total Total 3,330 $3,330 NARREND Select an answer and submit. For keyboard navigation, use the up/down arrow keys to select an answer. a 14.86% b 12.95% 11.13% d 17.33% e 13.39%