Using the "Human Life Value" method, how much life insurance should you purchase if you take into account $3\%$ annual inflation over the next $45$ years until retirement, an annual income of $$65,100$ received at the start of each years, and a time value of money of $9\%?($Assume $100\%$ income replacement and a marginal tax rate of $15\%)$ Round the adjusted rate of return to two decimal places when expressed as a $\%*$