E{[XY-E(XY)]^2}
=E(X^2Y^2)-E(XY)^2
=E(X^2)*E(Y^2)-E(X)^2*E(Y)^2
=[D(X)+E(X)^2][D(Y)+E(Y)^2]-E(X)^2*E(Y)^2
=3*5-1=14