A 3-year endowment insurance on (70) provides death benefits of 100 payable at the end of the year of death, if this occurs within 3 years, plus a pure endowment of 100 at age 63 if the insured is then alive. This is purchased by two premiums of 30 payable at age 60 and 61. You are given that q₆₀ = 0.2, q₆₁ = 0.4, and the interest rate is a constant 25%. Give the complete distribution of the random variable L and use this to find 0V.