Connie has a single checking account containing $10,000, a single savings account containing $30,000, and a single certificate of deposit in the amount of $35,000. She also has three joint accounts containing $200,000, $110,000, and $90,000, respectively. Because there are two owners for each of the joint accounts, her interest if half of those balances. What is her insured amount? How much is uninsured for her?

Doug and Mary have a joint checking account with a balance of $15,000, and joint savings account with $25,000, 4 certificates of deposits that include one for $55,000, $158,000, $60,000, and one for $33,000. They are looking at rolling their employee benefit plan accounts which include $200,000 for Doug and $840,000 for Mary. Together, what is their insured amount? How much is uninsured?