The Lathrop family needs some extra funds to put their two children through college starting this coming fall and to buy a new computer system for a part-time home business. They are not sure of the current market value of their home, though comparable four-bedroom homes are selling for about $395,000 in the neighborhood. The Monarch University Credit Union will loan 75 percent of the property’s appraised value, but the Lathrops still owe $235,000 on their home mortgage and a home improvement loan combined. What maximum amount of credit is available to this family should it elect to seek a home equity credit line?