Each day, Maude has a 1% chance losing her cell phone (her behavior on different days is independent). Each day, Maude has a 3% chance of forgetting to eat breakfast (again, her behavior on different days is independent). Her breakfast and cell phone habits an independent. Let X be the number of days until she first loses her cell phone. Let Y be the number of days until she first forgets to eat breakfast. (Here, J and Y are independent.) Find the joint mass of X and Y.