Juwan is eligible for a modest defined benefit pension when he retires at age sixty-seven. If Juwan elects a 100 percent joint and survivor annuity will he and Timi receive more or less than a 50 percent joint and survivor annuity? If Juwan elects an annuity payment without a survivor benefit, will he receive more or less than a 50 percent joint and survivor annuity? What must occur to obtain a no survivor annuity?