A standard 52 card deck has 13 cards of each suit.

Using the pigeonhole principle,

find the smallest k such that every set of k cards contains five cards of the same
suit.

The number of claims per policy follows a Poisson distribution. The claim amounts
have mean 500 and are independent of the number of claims. Extensive
observation indicates the average number of claim per policy has been 0.05 in the
past.

Using a 0.9 probability level and a 0.1 range parameter, find the value of the
credibility factor, Z, used to determine the credibility estimate of the risk premium
for a portfolio of 10000 policies that produced 750 claims during a recent exposure
period , if all claims are for the same amount.