An insurance company sells a one-year automobile policy with a deductible of two. The probability that the insured will incur a loss is 0.05. If there is a loss, the probability of a loss amount ? is ??? for ? = 1, 2, 3, 4, 5 and some constant ?. These are the only possible loss amounts and no more than one loss can occur. Determine the net premium for this policy.