PwC estimates the small business insurance AI underwriting market has 180 potential insurer customers. Sentinel believes it can realistically capture 15% market share within three years. The average contract value for an AI underwriting platform in this segment is $400,000 in annual recurring revenue per insurer. Sentinel's cost to acquire each customer is estimated at $120,000 and annual cost to serve each customer is $80,000. What is the three-year net revenue and is the business profitable by year three on a contribution basis?