loss payments expected to occur for this many years
cost-of-capital above risk-free rate (R - i)
* Capital is held until the end of the year.
* Loss payments are made mid-year. (not relevant here because you don't have to calculate best. est. liabs.)
* Assume SCR payments are constant for all future years.
Choose 99.5th percentile for SCR (may not be the same across all years, but it is in this problem)