Stephanie was injured in a car accident and was rushed to the emergency room. She received stitches for a facial wound and treatment for a broken finger. Under Stephanie's PPO plan, emergency room care at a network hospital is 80 percent covered after the member has met an annual deductible of $480. Assume that Stephanie went to a hospital within her PPO network. Her total emergency room bill was $1,380.

a. What amount did Stephanie have to pay?

b. What amount did the PPO cover?

Shaan and Anita are married and have two children, ages 10 and 12. Anita is a nonworking spouse who devotes all of her time to household activities. Estimate how much life insurance Shaan and Anita should carry.

insurance need?