Given: i. 10-year deferred annuity-due of 1000 per year is issued to (55). ii. Mortality follows UDD with = 120. iii. Premiums of 1200 are payable at the beginning of each year for 10 years. iv. d = 0.04 a) Calculate the probability that the loss at issue on the annuity will be greater than 0. b) If the premium is instead calculated using the equivalence principle, what is the probability the loss at issue will be greater than 0?