For a fully discrete whole life insurance of 10,000 on (45): (i) Both net and gross premiums are reduced by half starting with the 21st premium. (ii) Expenses are 50% of premium in the first year, 10% of premium in renewal years. (iii) A_45 = .15, A_65 = .24, A_75 = .4 (iv) d = .04 (v) 20_p_45 = .9 (vi) 30_p_45 =.75 Calculate the expense reserve at time 30.