(20 pts) For five special fully continuous whole life insurances on (35): . The death benefit on each insurance is 1000. Net premium rates for the first five years are shown in the graphs below. Net premium rates after five years for each insurance are level, not necessarily at the same rate as during year 5. .8= 0.05. Which of these net premium patterns results in the largest net premium reserve at the end of year 3? Premium Rate Premium Rate i 4 i 4 2 3 Time 2 3 Time Premium Rate Premium Rate 1 2 3 Time 4 5 Time Premium Rate i 4 2 3 Time