I need help in these questions. I have only 30 minutes. Please answer them fast.

Karlos has a health insurance policy with $20 deductible and 20% copay. If his medical bill is $600, how much does the insurance policy pay? \begin{tabular}{c} $600 \\ $480 \\ $464 \\ \hline$580 \end{tabular} Shang has a wife and three children aged 3,6 , and 8 . His wife is not working. Shang's annual income is $80,000. How much life insurance should Shang buy under the nonworking spouse method? \begin{tabular}{c} $150,000 \\ $392,000 \\ $400,000 \\ \hline$120,000 \end{tabular}