> Lauren is married to Bob Their ages are 28 and 29 respectively. > Residents of Ontario. Bob is a carpenter. Lauren is a nurse. Combined annual income of $140,000 after taxes. Her husband Bob is a risk seeker. A A A A A Lauren has a mid-risk tolerance. They have life insurance through their employer equivalent to their annual salary. Lauren has a $100,000 renewable convertible term policy. Bob has a $150,000 renewable convertible term policy. Their workplace provides supplemental health care insurance; this insurance also covers their kids. Their workplace also provides disability insurance. Disability insurance has an elimination period of one month, and a benefit period of two years. Disability insurance payments are equivalent to 60% of the gross pre-tax salary. Combined annual expenses of $80,000. They have two kids Andrew and Mary, ages five, and eight. They will finance their children's education. They have $300,000 in their RRSP account (entirely invested in U.S. small cap). Th