Jennifer Pontesso, from Lincoln, Nebraska, wants to better understand her financial situation. Use the following balance sheet and cash flow statement information to determine her net worth and her net surplus for a recent month. Liquid assets: $13,000; home value: $200,000; monthly mortgage payment: $1,400 on $160,000 mortgage; investment assets: $90,000; personal property: $16,000; total assets: $319,000; short-term debt: $3,240 ($270 a month); total debt: $163,240; monthly gross income: $12,000; monthly disposable income: $6,600; monthly expenses (not including employer withholdings for items like taxes, retirement savings, insurance, and union dues): $6,500. Round your answers to the nearest dollar.