Ricardo worked for a small architectural firm as an apprentice, earning $42,000 a year. The firm offers no group insurance, so Ricardo sought his own individual life and disability coverage. The insurance company agreed to cover Ricardo to a maximum benefit of 70% of his then-current salary. In order to keep premium costs to a minimum, Ricardo decided to take out only $2,000 a month of coverage. He wanted to keep his options open for future insurance, so he also purchased a Future Purchase Option (FPO) rider to allow him to acquire up to 20% of the initial face amount of coverage at different intervals. This rider also lets him get that coverage without having to provide medical underwriting as long as he qualifies financially. It is now four years later and Ricardo is earning $60,000 a year. What is the maximum amount of additional coverage Ricardo could apply for this year under the FPO rider?