You are an insurance agent and come across three clients. The first one is Alex, a branch manager in a local bank, with monthly income of USD 5,000. He spends 60% every month as family expenditure. The second one is Ken, a civil servant, with monthly salary of USD 3,000. He has outstanding mortgage balance of USD 30,000 and credit card loan of USD 2,500. The third client is April, a housewife. She has two kids, aged at 5 and 8, respectively. Given USD 10,000 as the funeral cost, estimate the life insurance coverage amount for Alex, Ken and April using the Easy Method, DINK Method and Nonworking Spouse Method, respectively. (6 marks)