If Carly's husband were to die, she and her children could live on $50,100 per year. Carly makes $28,500 annually, and estimates additional income of $8,300 from other sources. How much insurance should she purchase on her husband to cover the shortfall, assuming a 17.7% prevailing interest rate? (Round to nearest $1,000)

a.$75,000b.$57,000c.$84,000d.$156,000