You are given the following information on losses paid during each of 1996-1999: Accident Earned Expected Year 1996 1997 1998 1999 Premium Loss Ratio 1996 10,000 5,000 25,000 0.680 2,000 0 6,025 2,400 1997 12,050 29,750 0.688 1998 14,500 7,250 33,000 0.700 1999 17,465 38,000 0.700 Find the end-of-1999 estimated loss reserve using the Bornhuetter-Ferguson technique with geometric average loss development factors.