After reading the new account insert in his monthly statement, Tony Mercadante determined that the FDIC considers a joint account as a separate depositor. He and his wife, Cynthia, have three accounts at ABC Bank & Trust, one joint account with a balance of $60,000 and two individual accounts—his has a $150,000 balance, and hers has a $254,000 balance. What amounts of FDIC coverage do they each have?