9. Kareem, 35 years old, wants an insurance policy to protect his dependents to the extent of his human life value of $538,800. What type of life insurance would have the lowest annual premium? 10. How does a traditional IRA differ from a Roth IRA with regard to income taxation? 11. Latoya is a 25-year-old self-employed in her dog-grooming business, which has been growing too fast for her to keep up with the work. She just hired her 20-year-old sister, Francine, to help out in the business. Latoya wants to start a 401(k ) this year so that she can accumulate retirement funds. Must she include Francine in the 401(k) plan? 12. The authors of our textbook state that full funding of OASDI is unnecessary. You work as an advisor for a U.S. Senator who has asked you to outline an argument for changing the law to make full funding mandatory. Write a short memo to this effect