please help, please show your detailed work.

1) Mary, who is married and the mother of three, is 35 years and expects to work until 75 . She earns $55,000 per year. Mary expects inflation to be 3% over her working life, and the appropriate risk-free discount rate is 5%. Her personal consumption is equal to 27% of her aftertax earnings, and her combined federal and state marginal tax bracket is 15%. What is the amount of life insurance necessary for Mary using the Human Life Value method