You and your spouse are in good health and have reasonably secure careers. Each of you makes about $$40,000$ annually. You own a home with an $$80,000$ mortgage, and you owe $$15,000$ on car loans, $$5,000$ on personal debts, and $$4,000$ on credit card loans. You have no other debt. You have no plans to increase the size of your family in the near future. Estimate your insurance needs using the DINK method. Show work!