Hwan (40) and Nari (35) are your clients and you are assessing their current financial situation and how it impacts their insurance needs. They are married and have two children (7 and 9). Both Hwan and Nari have Registered Retirement Savings Plans (RRSPs) worth $40,000 and $10,000 respectively. Hwan also has $20,000 in a money market fund for emergencies. They jointly own a house in Markham and have an outstanding mortgage of $235,000. Hwan drives a one-year-old Ford Taurus worth $40,000 which has car payments outstanding for 6 more years. Nari owns a 7-year-old mini-van worth $10,000 which is paid off. In the event of Hwan’s death, which of the following assets would be the MOST liquid asset to sell in order to meet estate needs?
a)		the RRSPs
b)		the house
c)		the cars
d)		the money market fund