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Fern purchased her home three years ago for $325,000. The home was recently appraised for $400,000 and the mortgage balance outstanding is $250,000. Fern has

Fern purchased her home three years ago for $325,000. The home was recently appraised for $400,000 and the mortgage balance outstanding is $250,000. Fern has a $150,000 whole-life policy with a cash surrender value (CSV) of $15,000. She also has investment assets worth $85,000. Fern also has a line of credit with a limit of $50,000 and an outstanding balance of $22,000. What is Fern’s net worth?

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