The following probability matrix contains the joint probabilities for random variables X = {2, 7, or 12} and Y = {1, 3, or 5}:

| | Y | | |

|-------|-------|-------|-------|

| | 1 | 3 | 5 |

| X | | | |

| 2 | 5% | 15% | 5% |

| 7 | 10% | 30% | 10% |

| 12 | 5% | 15% | 5% |

We are informed that (X) and (Y) are independent. What is the expected value of the product of X and Y, E(XY)?