you and your spouse are in good health and have reasonably secure careers. each of you makes about $44,000 annually. you own a home with a mortgage of $88,000, and you owe $19,000 on car loans, $9,000 in personal debts, and $8,000 on credit card loans. you have no other debts. you have no plans to increase the size of your family in the near future. assume funeral expenses of $6,000. estimate your total insurance needs using the dink method.