You are given q60 = 0.20, q61 = 0.25. Interest rates are 20% in the first year, 25% in the second year and 50% in the third year. A 3-year endowment insurance policy issued to (60) provides for death benefits, at the end of the year of death, of 1000 if death occurs in the first year and 2000 if death occurs in the third or second years. In addition, there is a pure endowment of 2000 paid at age 63 if the insured is then alive. Level annual premiums are payable for 3 years. Find the premium. Find kV, for k = 1, 2, 3. Do this first by the basic prospective reserve formula.