When Hannah Lecters house burned down, she lost all her household items, worth a total of $122,000. Her home was recently appraised for $230,000 (including the land it's on, worth $25,000), and the house was insured for $190,000 and her homeowners policy included coverage for personal belongings up to 60 percent of the insured value of the house. The policy carries a $5,000 deductible for all losses.

how much insurance coverage Hannahs policy provides for her personal possessions?

how much out-of-pocket loss (not including land value), if any, Hannah suffered from the fire?