Paolo is a 39-year-old lawyer who just bought a universal life insurance policy to protect his two children (ages 10 and 11) in the event of his death. Each year, Paolo chooses how much he would like to contribute to the policy, as shown in the first row of the following table. An administrative fee along with the cost of the death benefit (thesavings portion of the policy) is the payment. The resulting amount goes into the cash-value (orpure insurance ) portion of the policy. This money