Tim is aged 40 and Yvette is aged 30. Tim purchases a deferred annuity, paying 100 per month commencing at his age 65, with payments of 50 per month continuing to Yvette for her life, beginning at Tim's death after age 65. If Tim dies before age 65, no benefits are payable. Find the net single premium for this annuity given Dt^q = 191, D/^q =157, D^s = 52, D^s = 39, 45^^ =16.1, 45^^ = 12, 45^65 =10-^ ^"^ '' = ^^