John, age $55,$ is unmarried and retired. He has these assets on deposit at Allworld Bank, an

FDIC$-$insured financial institution:

Account Ownership Balance

Checking account John $$80,000$

Savings account Joint with son $$70,000$

Certificate of deposit $($CD$)$ John $$225,000$

Rollover traditional IRA John $$150,000$

What amount is insured by the FDIC?

A$)$

$$325,000$

B$)$

$$250,000$

C$)$

$$470,000$

D$)$

$$525,000$