Matt and Kristin are newly married and living in their first house. The yearly premium on their homeowners insurance policy is $400 for the coverage they need. Their insurance company offers a 3 percent discount if they install dead-bolt locks on all exterior doors. The couple can also receive a 1 percent discount if they install smoke detectors on each floor. They have contacted a locksmith, who will provide and install dead-bolt locks on the two exterior doors for $45 each. At the local hardware store, smoke detectors cost $6 each, and the new house has two floors. Kristin and Matt can install them themselves.

What discount will Matt and Kristin receive if they install the dead-bolt locks? If they install smoke detectors?