Mr. Hari Paudel is 40 years old. He is willing to purchase a whole life policy of Rs 350,000. Assume the cost of money is 8 percent and annual mortality rate is
constant at 2 percent. What is the present value of benefits the insurance
company is expected to pay over the next 20 years?

when the outside temperature is too cold, an endothermic animal can generate heat by shivering. endothermic animals must eat much more often than ectothermic animals since it takes energy to maintain a constant body temperature.

21. both telenovelas and soap operas are serial melodramatic genres in contrast, it's a rare event that a soap opera actor transitions well to into hollywood.22. the san sebastian international film festival- it is the only film festival in spain listed as a category “a” event, one of only 13 in the whole world.  the malaga film festival- the official name of the event is festival de málaga cine español (fmce) and began in 1998 to drive the spanish film industry.23. there are two main reasons for regional television in spain. the first is so that people can get the news in a timely fashion, the other is for entertainment.  24.the goya awards are just like the oscar basically. the goya awards are for the best spanish films of the years.25.she was the first woman to receive a chair at a spanish university and her home in la coruña, which belongs to the real academia galega, now houses the casa-museo pardo bazán, dedicated to the conservation and dissemination of the author's heritage