Julio's mortality for 1 < / < 4 is assumed to be governed by the law tPx = -3(4 — /). Harold's mortality for 1 < / < 5 is governed by fp^ = .25(5 — t). If / = .07, find the price at time of an insurance policy which will pay 100,000 at the end of the year in which the second of Julio or Harold dies.