5. Suppose that you're selling life insurance, and a 40-year-old male nonsmoker asks you for a quote on a $1 million policy for the next 10 years. Your coworker suggests that the rate should be based on the death rates of male nonsmokers in their 40s in the general population. Is this the most appropriate suggestion? Why or why not? Explain your answer in detail. 6. Suppose the Social Security payroll tax is doubled to solve the 75-year fiscal imbalance in the program (i.e., to avoid ending the program entirely) without any change in the calculation of benefits paid out to recipients. What effects would this change have on the Social Security Wealth of: a. Young people vs. old people b. Men vs. women (assuming, based on statistical averages, that women live longer and work less than men throughout their lifetimes)