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Fred Ritz earns about $65,000 per year and is married. His spouse works and earns about the same as he does, and will keep working after he died. He has a mortgage of $100,000, a car loan of $12,000 and a credit card balance totaling $3000. He has estimated it will cost about $5000 for his funeral. Determine the couple's insurance needs if Fred dies. Show your computations to get full credit for your