Betty, aged 40, purchases a 100,000 whole life policy with a single premium of 36,000. At the same time, Betty also purchases a 100,000 whole life policy with a net annual premium of 2200 payable at the beginning of each year for life. Assume / is the same for both policies. The net amount at risk (the excess of the face amount over the terminal reserve) for the tenth year on the first policy is equal to K, and the net amount at risk for the tenth year on the second policy is L. The net single premium at age 50 for a 100,000 whole life policy is 48,600. Find ^.