take into account profits in decision making

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Currently underwriting decisions are made only using the balancedness and the fulfilment of the capital requirement (as judged by the risk model). It should also include the expected profits of an offered contract. For instance it could be a 3-step process:

1. Do we have the capital to underwrite this? If yes:
2. Will our portfolio become too unbalanced by underwriting this? If no:
3. What will our profits be from underwriting this? If the expected profits are positive, we should underwrite with probability 100%, if they are negative, we should underwrite with a declining probability, depending on how negative they are. This may reach 0% for very negative expected profits.