Brian is completing an insurance needs analysis for Becky and Stan Blombgren. Stan is a lawyer and a junior associate at a midsize law firm. Becky is a stay-at-home mom to their young daughter Josie. The main goal for the couple is that surviving family members would maintain the current standard of living if one of them were to pass away prematurely. Which of the following statements regarding the insurance needs analysis for the Blombgren's is CORRECT? 

a) The analysis should account for Stan's earning potential. 

b) Group insurance would likely be all the family requires. 

c) Brian should use Stan's gross income in the analysis. 

d) The couple only need insurance for Stan.