You are a dual-income, no-kids family. You and your spouse have the following debts (total): mortgage, $236,000; auto loan, $46,000; credit card balance, $40,000; other debts, $46,000. Further, you estimate that your funeral will cost $10,000. Your spouse expects to continue to work after your death. Using the DINK method, what should be your need for life insurance? Insurance need