After reading the new account insert in his monthly statement, Tony Mercadante determined that the FDIC considers a joint account as a separate depositor. He and his wife, Cynthia, have three accounts at ABC Bank & Trust, one joint account with a balance of $77,073 and two individual accounts--his has a $105,916 balance, and hers has a $255,100 balance. What amount of FDIC coverage do Tony and Cynthia have on their accounts