Marianne and Roger are in good health and have reasonably secure careers. Each earns $ $51000$ ?annually. They own a home with a $ $135000$ ?mortgage; they owe $ $14000$ ?for their car loans, and have $ $5000$ ?in student loans. If one should die, they think that funeral expenses would be $ $10000.$ ?What is their total insurance needs using the DINK method?