Yusra Dahlan (YD) owns and operates natural gas pipelines that deliver 14% of the natural gas consumed in the Saudi Arabia. YD is concerned that a terrorist attack could disrupt its Gulfstream pipeline, which runs 740 miles through the Middle East. In the event of a disruption, the firm anticipates a loss of profits of $82 million. Suppose the chance of a disruption is 2.5% per year, and the beta associated with such a loss is -0.25. If the risk-free interest rate is 3% and the expected return of the market is 10%, what is the actuarially fair insurance premium required to cover YD's loss?