Jenny, who is married and the mother of three, is 25 years and expects to work until 70. She earns $45,000 per year. Jenny expects inflation to be 3% over her working life, and the appropriate risk-free discount rate is 5%. Her personal consumption is equal to 25% of her after-tax earnings, and her combined federal and state marginal tax bracket is 15%. What is the amount of life insurance necessary for Jenny using the Human Life Value method? A) $900,000.00. B) $743,672.85. C) $855,597.84. D) $509,893.63.