Aher reading the new account insert in his moethly statement, Tony Mercadante determined that the FDIC considers a joint account as a separate depositor. He and his wife, Cynthia, have the accounts at ABC Bank & Trust, one Joint account with a balance of $45.167 and two individual accounts-his has a 5140,886 balance and hors has a $254.215 balance. What amount of FDIC coverage do Tony and Cyntia have on their accounts? What amount of FDIC coverage do Tony and Cynthia bave on their accounta? (Select the best answer below) O A Tony account balance of 140.500 is completely covered as in their ont account of 545,167; both accounts are under the $250,000 FDIC limit. Cynthia's account is over the insurance limit by $4,215, but their money would be covered she moved some into their joint account or into another institution OB. Tony's account balance of 5140 Hed in completely covered as in their joint account of $45,167; both accounts are under the $250,000 FDIC limit. Cynthia's account is over the Insurance limit by 54 215, but is fully insured because they only have $45, 107 in their joint account OC Tony and Cynthia have a total of 5440,268 in this institution. Each Institution is insured up to $250,000, so they are over the Insurance limit by $190,268 and should move money into other institutions OD. Tony's account balance of $140,885 is not covered and neither is the joint account of $45,167. This is because Cynthia's account balance of $254.215 is over the insurance limit by 54 215, therefore the institution does not have to insure any of their accounts