A cоmpаny thаt sells аnnuities must base the annual payоut оn the distribution of the length of life of the participants in the plan. Suppose the distribution of the lifetimes of male participants is approximately normal with a mean of 69 years and a standard deviation of 3.8 years. a) What is the probability that a male participant would die before reaching the standard retirement age of 65? b) At what age have the payments ceased for approximately 95% of the male plan participants?