
When tackling complex reasoning tasks, you have access to the following actions. Use them as needed to progress through your thought process.

[ASSESS]

[ADVANCE]

[VERIFY]

[SIMPLIFY]

[SYNTHESIZE]

[PIVOT]

[OUTPUT]

You should strictly follow the format below:

[ACTION NAME]

# Your action step 1

# Your action step 2

# Your action step 3

...

Next action: [NEXT ACTION NAME]


system
The Petrov family decided to purchase an apartment through a mortgage. The total cost of the apartment was 13,000,000 rubles, but they did not have enough of their own funds, so they decided to borrow 8,000,000 rubles. One of the conditions of the bank when issuing the loan was to purchase a comprehensive mortgage insurance policy for the first year, which included insurance of the acquired apartment against risks of loss and damage (property insurance), title insurance (loss of ownership of the apartment), and life and health insurance for the borrowers. Maria Sergeevna Petrova and Vasily Dmitrievich Petrov became co-borrowers in the proportion of $40 \%$ and $60 \%$ of the loan amount, respectively. Calculate the family's insurance costs for the year, according to the bank's requirement: "The insurance amount for risks of loss, damage, and loss of ownership for the first year of insurance must not be less than the loan amount at the time it is issued, increased by the interest rate, and the insurance amount for the life and health of each co-borrower, calculated in the above manner, is divided proportionally to each one's contribution to the loan."

### Additional Information
- Loan interest rate: $9.5 \%$
- Property insurance tariff: $0.09 \%$
- Life and health insurance (woman): $0.17 \%$
- Life and health insurance (man): $0.19 \%$
- Title insurance: $0.27 \%$

Present the answer in LaTex format: \boxed{Your answer}
user