Vanessa and Jones are in good health and have reasonably secured careers. Each earns RM45,000 annually. They own a home with a RM325,000 mortgage; they owe RM 35,000 for their car loans and have RM18,000 in student loans. If one should die, they think that funeral expenses would be RM10,000. Calculate their total insurance need using the "dual income no kids" method