Nyla's parents are in good health and have reasonably secure jobs. Each of them makes about $100,000 annually. They own a house with a $500,000 mortgage and owe $10,000 on car loans, $5,000 in personal debt, and $6,000 in credit card loans. They have no other debt. They have no plans to increase the size of their family soon. They estimate that funeral expenses will be $5,000. Their total individual life insurance need using the DINK method is: