URGENT!! Please help, Thank you!

Dunkins Corporation would like to buy insurance for their employee. The distributions are as follows: Betty, Carol & Emily Loss Outcome Probability RM12,000 0.7 RM21,000 0.3 Fendy & Qalid Loss Probability Outcome RM15,000 0.4 RM20,000 0.6 Assume the losses are independent, you are required to: a) Determine the expected loss and standard deviation without the pooling arrangement for Dunkins Corporation. b) Determine the expected loss and standard deviation with the pooling arrangement Dunkins Corporation