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 $55,7666 and two individual accounts his has a $128,963 balance, and hers has a $252,943 balance. What amount of FDIC coverage do Tony and Cynthia have on their accounts?