Mary owns a home with a with a replacement value of $310,744. She purchased home insurance in the amount of $200,000, and therefore does not meet the 80% rule. If Mary's deductible is $3,000 and a BBQ fire caused $75,000 worth of damage, how much will Mary have to pay herself?

Norm and Tanya earn about the same salary and are undertaking a life insurance needs analysis for one of them passing away. If the nominal projected investment return is an average of 8% per annum, inflation is projected at 3% per annum, then find the amount of additional insurance they should purchase, given the following data:

Number of years insurance money should last	30
Net Worth	$34,812
CPP Survivor Benefit	$400 per month
Salary	$45,000
Lifestyle Expenses (after mortgage) will continue at full amount	$5,000 per month
Additional funds for emergency, vacation & taxes	$35,000
Funeral expenses	$20,000
Current group insurance coverage from employer	1 x Salary