Kathleen Osness, aged $38,$ a massage therapist, decided to take out a limited$-$payment life policy. She chose this since she expects her income to decline in future years. Kathleen decided to take out a $20-$year payment life policy with a coverage amount of $$90,000.($Use Table $20\mathrm{.}1$ and Table $20\mathrm{.}2.)($for females subtract $3$ years when using Table $20\mathrm{.}1.)$