Marina and her spouse have three children, the youngest of whom is $8.$ Their salaries are roughly equivalent, at around $$70,000$ each. If Marina loses her

spouse, she would receive, each month, $$700$ from the government plan and an orphan's pension of $$230$ for each of her three children. She would also

receive a monthly pension of $$850$ from her spouse's pension plan. The monthly expenses after her spouse's death are estimated at $$4,100.$ Marina's

disposable income will be about $$1,400$ a month. She is worried about the impact on her children's standard of living, especially over the next $10$ years.

What is the annual shortfall if Marina's spouse dies?

$$460.$

$$11040.$

$$5520.$

$$32400.$