Marianne and Roger are in good health and have reasonably secure careers. Each earns $45,000 annually. They own a home with a $100,000 mortgage; they owe $20,000 for their car loans, and have $6,000 in student loans. If one should die, they think that funeral expenses would be $10,000. What is their total insurance needs using the DINK method?(Round your answer to the nearest whole number. Do not include the comma and "$" sign in your response.)