D(XY)=E(X^2Y^2)-[E(XY)]^2=E(X^2)E(Y^2)-E(X)^2E(Y)^2=[D(X)+E(X)^2][D(Y)+E(Y)^2]
==[D(X)D(Y)+D(Y)E(X)^2+D(X)E(Y)^2]