Marianne and Roger are in good health and have reasonably secure careers. Each earns $54000 annually. They own a home with a $120000 mortgage; they owe $16000 for their car loans, and have $11000 in student loans. If one should die, they think that funeral expenses would be $8000. What is their total insurance needs using the DINK method?

(Round your answer to the nearest whole number. Do not include the comma and "$" sign in your response.)