
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 Ivanov family decided to purchase an apartment using a mortgage. The total cost of the apartment was 7,000,000 rubles, and since their own funds were insufficient, they decided to take a loan for 4,000,000 rubles. One of the bank's conditions for issuing the loan was the purchase of a comprehensive mortgage insurance policy, which includes insurance of the purchased apartment against risks of loss and damage (property insurance), title insurance (loss of property rights), and life and health insurance of the borrowers. Svetlana Markovna Ivanova and Dmitry Stepanovich Ivanov became co-borrowers in a ratio of 20% and 80% of the loan amount, respectively.

Calculate the family's insurance costs if the bank's requirement is formulated as follows: "The insurance amount for risks of loss, damage, and loss of property must be no less than the loan amount increased by the interest rate, and for life and health insurance of each co-borrower, the insurance amount is divided in proportion to their contribution to the loan". (20 points)

Additional data: loan interest rate of 10.1%, property insurance tariff of 0.09%, life and health insurance (female) 0.17%, life and health insurance (male) 0.19%, title insurance 0.27%.

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