Imagine you and your spouse have a couple of young kids. You make $98 thousand a year, and are thinking of buying 20 year term life insurance until your kids are off to college. You would like to replace 100% of your salary for 20 years, to give your family some extra cushion, even though family expenses would likely go down somewhat in the event of your death. You think that your life insurance proceeds could generate an 4.4% return while invested in a balanced stock-bond portfolio. What is the face value of the insurance policy that you should be looking for