Losses from a line of insurance follow a Pareto distribution 2 and 0 = 2000. An insurer sells policies that pay 100% of each loss up to 5000. Next year, the insurer changes the policy terms so that it will pay 80% of each loss after applying a 100 deductible. The 5000 limit continues to apply on the original loss amount. Inflation will be at 4%. Calculate the decrease in the insurer's expected payment per loss.