Antonio and Trina are a young couple with two small children. Antonio is an account executive for a brokerage firm, making $75,000 a year. Trina is a full-time stay-at-home mom. She is trying to calculate the income-replacement needs in the event of Antonio's death. Assume the percent of income that needs to be replaced is 75 percent for 20 years. They are conservative investors earning about a risk-free rate of return on their investment at 3 percent. What is the amount of income-replacement needs that should be included in Antonio's life insurance?