diff --git a/.idea/misc.xml b/.idea/misc.xml
index 0792e77..6d44053 100644
--- a/.idea/misc.xml
+++ b/.idea/misc.xml
@@ -1,4 +1,3 @@
-<?xml version="1.0" encoding="UTF-8"?>
 <project version="4">
   <component name="ProjectRootManager" version="2" languageLevel="JDK_13" default="true" project-jdk-name="13.0.1" project-jdk-type="JavaSDK">
     <output url="file://$PROJECT_DIR$/out" />
diff --git a/RefactoringAssignment.iml b/RefactoringAssignment.iml
index 7e880ab..5ac339a 100644
--- a/RefactoringAssignment.iml
+++ b/RefactoringAssignment.iml
@@ -24,5 +24,20 @@
         <SOURCES />
       </library>
     </orderEntry>
+    <orderEntry type="module-library" scope="TEST">
+      <library name="testng">
+        <CLASSES>
+          <root url="jar://$MAVEN_REPOSITORY$/org/testng/testng/7.1.0/testng-7.1.0.jar!/" />
+          <root url="jar://$MAVEN_REPOSITORY$/com/beust/jcommander/1.72/jcommander-1.72.jar!/" />
+          <root url="jar://$MAVEN_REPOSITORY$/com/google/inject/guice/4.1.0/guice-4.1.0-no_aop.jar!/" />
+          <root url="jar://$MAVEN_REPOSITORY$/javax/inject/javax.inject/1/javax.inject-1.jar!/" />
+          <root url="jar://$MAVEN_REPOSITORY$/aopalliance/aopalliance/1.0/aopalliance-1.0.jar!/" />
+          <root url="jar://$MAVEN_REPOSITORY$/com/google/guava/guava/19.0/guava-19.0.jar!/" />
+          <root url="jar://$MAVEN_REPOSITORY$/org/yaml/snakeyaml/1.21/snakeyaml-1.21.jar!/" />
+        </CLASSES>
+        <JAVADOC />
+        <SOURCES />
+      </library>
+    </orderEntry>
   </component>
 </module>
\ No newline at end of file
diff --git a/src/InsuranceCalculator.java b/src/InsuranceCalculator.java
index 558e0a0..a26ae93 100644
--- a/src/InsuranceCalculator.java
+++ b/src/InsuranceCalculator.java
@@ -1,14 +1,20 @@
 public class InsuranceCalculator {
 
+    private  InsuranceStrategy strategy;
+
     public double calculateInsurance(double income) {
         if (income <= 10000) {
-            return income*0.365;
+            strategy = new InsuranceStrategyLow();
+            return strategy.calculate(income);
         } else if (income <= 30000) {
-            return (income-10000)*0.2+35600;
+            strategy = new InsuranceStrategyMedium();
+            return strategy.calculate(income);
         } else if (income <= 60000) {
-            return (income-30000)*0.1+76500;
+            strategy = new InsuranceStrategyHigh();
+            return strategy.calculate(income);
         } else {
-            return (income-60000)*0.02+105600;
+            strategy = new InsuranceStrategyVeryHigh();
+            return strategy.calculate(income);
         }
     }
 
diff --git a/src/InsuranceStrategy.java b/src/InsuranceStrategy.java
new file mode 100644
index 0000000..5b22a73
--- /dev/null
+++ b/src/InsuranceStrategy.java
@@ -0,0 +1,11 @@
+public abstract class InsuranceStrategy {
+    double calculate(double income) {
+        return (income - getAdjustment()) * getWeight() + getConstant();
+    }
+
+    public abstract int getConstant();
+
+    public abstract double getWeight();
+
+    public abstract int getAdjustment();
+}
diff --git a/src/InsuranceStrategyHigh.java b/src/InsuranceStrategyHigh.java
new file mode 100644
index 0000000..e316b15
--- /dev/null
+++ b/src/InsuranceStrategyHigh.java
@@ -0,0 +1,16 @@
+public class InsuranceStrategyHigh extends InsuranceStrategy {
+    @Override
+    public int getConstant() {
+        return 76500;
+    }
+
+    @Override
+    public double getWeight() {
+        return 0.1;
+    }
+
+    @Override
+    public int getAdjustment() {
+        return 30000;
+    }
+}
diff --git a/src/InsuranceStrategyLow.java b/src/InsuranceStrategyLow.java
new file mode 100644
index 0000000..58278e8
--- /dev/null
+++ b/src/InsuranceStrategyLow.java
@@ -0,0 +1,16 @@
+public class InsuranceStrategyLow extends InsuranceStrategy {
+    @Override
+    public int getConstant() {
+        return 0;
+    }
+
+    @Override
+    public double getWeight() {
+        return 0.365;
+    }
+
+    @Override
+    public int getAdjustment() {
+        return 0;
+    }
+}
diff --git a/src/InsuranceStrategyMedium.java b/src/InsuranceStrategyMedium.java
new file mode 100644
index 0000000..6994a01
--- /dev/null
+++ b/src/InsuranceStrategyMedium.java
@@ -0,0 +1,16 @@
+public class InsuranceStrategyMedium extends InsuranceStrategy {
+    @Override
+    public int getConstant() {
+        return 35600;
+    }
+
+    @Override
+    public double getWeight() {
+        return 0.2;
+    }
+
+    @Override
+    public int getAdjustment() {
+        return 10000;
+    }
+}
diff --git a/src/InsuranceStrategyVeryHigh.java b/src/InsuranceStrategyVeryHigh.java
new file mode 100644
index 0000000..81cf8a4
--- /dev/null
+++ b/src/InsuranceStrategyVeryHigh.java
@@ -0,0 +1,19 @@
+public class InsuranceStrategyVeryHigh extends InsuranceStrategy {
+    public InsuranceStrategyVeryHigh() {
+    }
+
+    @Override
+    public int getConstant() {
+        return 105600;
+    }
+
+    @Override
+    public double getWeight() {
+        return 0.02;
+    }
+
+    @Override
+    public int getAdjustment() {
+        return 60000;
+    }
+}
\ No newline at end of file
diff --git a/test/InsuranceCalculatorTest.java b/test/InsuranceCalculatorTest.java
new file mode 100644
index 0000000..57d8865
--- /dev/null
+++ b/test/InsuranceCalculatorTest.java
@@ -0,0 +1,28 @@
+import org.junit.jupiter.api.Test;
+
+import static org.junit.jupiter.api.Assertions.*;
+
+class InsuranceCalculatorTest {
+    @Test
+    public void low(){
+        assertEquals(1825, insuranceFor(5000), 0.01);
+    }
+    @Test
+    public void medium() {
+        assertEquals(38600, insuranceFor(25000), 0.01);
+    }
+
+    @Test
+    public void high() {
+        assertEquals(78500, insuranceFor(50000), 0.01);
+    }
+
+    @Test
+    public void veryHigh() {
+        assertEquals(106400, insuranceFor(100_000), 0.01);
+    }
+
+    private double insuranceFor(double income) {
+        return new InsuranceCalculator().calculateInsurance(income);
+    }
+}
\ No newline at end of file