Mary and Marty are interested in obtaining a home equity loan. They purchased their house five years ago for $136,000, and it now has a market value of $177,821. Originally, Mary and Marty paid $33,962 down on the house and took out a $ 102,038 mortgage. The current balance on their mortgage is $96,539. The bank uses 65% of equity in determining the credit limit. What will their credit limit be if the bank bases their credit limit on equity invested and will loan them 65% of the equity?