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 71 years and a standard deviation of 3.7 years. What is the probability that a male participant would die before reaching the standard retirement age of 66? At what age have the payments ceased for approximately 90% of the male plan participants?