A two-year-endowment insurance on (x) has benefits of 100 if death occurs in the first year or 80 if death occurs in the second year, and a pure endowment of 80 if the insured is alive at time two. You are given that qx = 0.2, qx+1 = 0.3, and the interest rate is a constant 100%. Find the expectation and variance of the benefits when (a) benefits are payable at the end of the year of death; (b) benefits are payable at the moment of death.