A couple buys two 10-year term life insurance policies with a death benefit of 25,000 on each policy. Both the wife and the husband have a 90% chance of surviving 10 years independent of each other. Find the variance for the total death benefit paid on the two policies combined.

Gyou are in charge of making the work schedule for the next two weeks. typically this is not a difficult task as you work at a routine 8am – 5pm company. however, over the next two weeks you are required to schedule someone to be in the office each saturday. after contemplating this for a few days you make the schedule and assignments. before posting the schedule for everyone you decide that it is a good idea to meet personally with the two people you have scheduled to work the weekend. what do you say to them? what is your desired outcome?