3. Need for renter's insurance. Charles and Layla Moore, both graduate students, moved into an apartment near the university. Layla wants to buy renter's insurance, but Charles thinks they don't need it because their furniture isn't worth much. Layla points out that, among other things, they have some expensive computer and stereo equipment. To help the Moores resolve their dilemma, suggest a plan for deciding how much insurance to buy, and give them some ideas for finding a policy