the porter family has two adults and three children. mrs. porter is a prominent lawyer in the state capital. her income is currently $160,000. her husband takes care of the kids. he has not worked in several years and has training as a computer programmer. since he has not stayed up-to-date with best practices in his field, he expects that he would have a hard time if he ever tried to re-enter the workforce. their youngest child is 3 years old. they have the following outstanding debts: $140,000 on their mortgage, $20,000 on cars, $1,200 on credit cards, and $50,000 on student loans