Frank and Fiona, a childless married couple, enjoy hiking in Lantau Island Park, situated near their flat in the New Territories. Frank's monthly salary is HKS45,000, and Fiona earns HK\$49,000 every month. They have a mortgage of HK$3,500,000 on their flat and outstanding home improvement loan amounting to HK $180,000. They have bought both life and health insurance policies. Two months ago, Fiona was injured while cycling in the Tuen Mun Cycling Path. As a result, she needed an intermediate surgery and was admitted to a hospital. The medical bills included: a) HKS850 daily for a 8 -day hospital stay b) HK $39,500 as the surgeon's fee c) HK $9,000 attending doctor's visit fee ( 6 visits on 8 days) d) HKS15,000 for the anaesthetist's fee e) HK $4,500 for the operation theatre fee f) HK $1,300 for every outpatient follow-up, which she attended 4 times. A summary of the coverages under Fiona's health insurance plan is provided in the following table: (a) Copy and complete the below table indicating Fiona's medical expenses, the sum reimbursed by her insurance, and the total for each. (10 marks) (b) Calculate the amount of her life insurance needs using the DINK method, assuming Fiona's funeral expense is $280,000. (4 marks)