Please give me the answer within 1hour

1.Mr. Hanson is a small business man. He has two twin 7 years old daughters. Mr. Hanson is thinking about admitting them in a local school. Because his business is not going well due to lock down situation, he cant earn well for meeting up the expenditures for his daughters schooling. Mrs. Hanson, wife of Mr. Hanson, has inherited Tk. 10,00,000 from her father which she is thinking to invest in such a way so that she can get a fixed amount of money every month from where she can easily spent for her daughters schooling. As a financial adviser, suggest her which credit market instrument is appropriate for her and why?

2. Callable bonds have a call premium. Why??explain with examples.