diff --git a/.idea/misc.xml b/.idea/misc.xml
index 0792e77..d15472f 100644
--- a/.idea/misc.xml
+++ b/.idea/misc.xml
@@ -1,6 +1,6 @@
 <?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">
+  <component name="ProjectRootManager" version="2" languageLevel="JDK_18" default="true" project-jdk-name="openjdk-18" project-jdk-type="JavaSDK">
     <output url="file://$PROJECT_DIR$/out" />
   </component>
 </project>
\ No newline at end of file
diff --git a/src/InsuranceCalculator.java b/src/InsuranceCalculator.java
index 558e0a0..68d8794 100644
--- a/src/InsuranceCalculator.java
+++ b/src/InsuranceCalculator.java
@@ -1,14 +1,19 @@
 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..1ebf362
--- /dev/null
+++ b/src/InsuranceStrategy.java
@@ -0,0 +1,11 @@
+public abstract class InsuranceStrategy {
+    public 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..1d2e482
--- /dev/null
+++ b/src/InsuranceStrategyHigh.java
@@ -0,0 +1,15 @@
+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..54c8962
--- /dev/null
+++ b/src/InsuranceStrategyLow.java
@@ -0,0 +1,14 @@
+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..d026c72
--- /dev/null
+++ b/src/InsuranceStrategyMedium.java
@@ -0,0 +1,14 @@
+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..6fa59e2
--- /dev/null
+++ b/src/InsuranceStrategyVeryHigh.java
@@ -0,0 +1,12 @@
+public class InsuranceStrategyVeryHigh extends InsuranceStrategy{
+    @Override
+    public int getConstant() {
+        return 106500;
+    }
+    @Override
+    public double getWeight() {return 0.02;}
+    @Override
+    public int getAdjustment() {
+        return 60000;
+    }
+}
diff --git a/test/InsuranceCalculatorTest.java b/test/InsuranceCalculatorTest.java
new file mode 100644
index 0000000..a72a96e
--- /dev/null
+++ b/test/InsuranceCalculatorTest.java
@@ -0,0 +1,29 @@
+import org.junit.jupiter.api.Test;
+
+import static org.junit.jupiter.api.Assertions.*;
+
+public 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(107300, insuranceFor(100_000), 0.01);
+    }
+
+    private double insuranceFor(double income) {
+        return new InsuranceCalculator().calculateInsurance(income);
+    }
+}
\ No newline at end of file