The 20 mill reflects gross exposure.
1	The	the	DET	DT	Definite=Def|PronType=Art	3	det	3:det	_
2	20	20	NUM	CD	NumForm=Digit|NumType=Card	3	nummod	3:nummod	_
3	mill	mill	NUM	CD	NumForm=Word|NumType=Card	4	nsubj	4:nsubj	_
4	reflects	reflect	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	0:root	_
5	gross	gross	ADJ	JJ	Degree=Pos	6	amod	6:amod	_
6	exposure	exposure	NOUN	NN	Number=Sing	4	obj	4:obj	SpaceAfter=No
7	.	.	PUNCT	.	_	4	punct	4:punct	_
