
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

You are an underwriter at an insurance company. According to the instructions for title insurance (attached to this problem), based on the data provided below, you need to set the rate and calculate the insurance premium. Keep the glossary handy.

Data:

Policyholder Konstantin Petrovich Ostorozhny acquires an apartment on the secondary market with credit funds. The loan amount secured by real estate is 20 million rubles. Konstantin Petrovich has a good credit history and easily obtained loan approval for this amount. The appraisal value of the apartment is 14,500,000 rubles, and the cadastral value is 15,000,000 rubles. The lender requires Ostorozhny to purchase a title insurance policy to protect their financial interests.

Seller - Ivanov G.L., born in 1952, the sole owner of the apartment, acquired it more than 5 years ago under an investment construction agreement. Married, has adult children, and no one is registered in the apartment. At the time of purchase, he was married. Provided all necessary documents except for certificates from the psychiatric and narcological dispensaries. Does not drive, does not have a driver's license, and is not liable for military service.

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