311. Employees of a large company all choose one of three levels of health insurance coverage, for which premiums, denoted by X , are 1, 2, and 3, respectively. Premiums are subject to a discount, denoted by Y, of 0 for smokers and 1 for non-smokers. The joint probability function of X and Y is given by Calculate the variance of X Y− , the total premium paid by a randomly chosen employee. (A) 0.20 (B) 0.69 (C) 0.74 (D) 1.90 (E) 2.65