问题如下：
Based on the given assumptions and the data in Exhibit 1, the additional amount of life insurance coverage needed is closest to:
选项：
A.A$0.
B.A$331,267.
C.A$2,078,101.
解释：
B is correct.
The additional amount of life insurance coverage needed is calculated as the di₤erence between the family’s total financial needs and total capital available. Total financial needs are calculated as follows.
Capital needs are determined as the present value of an annuity due: growth rate = 3.5%, discount rate = 6.0%. Growth of payments is incorporated by adjusting the discount rate to account for the growth rate of earnings. As long as the discount rate is larger than the growth rate, the adjusted rate i can be calculated as follows: [(1 + Discount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%.
我想问一下题干中：“Family living expenses will decline by $30,000 per year”和后面“Olivia’s projected living expense will be $50,000 per year for 44 years; and The children’s projected living expenses will be $15,000 per year for 6 years.”是不是前后矛盾了？如果按照前者说的家庭开支每年少3w刀的话，那后几年不变成负值了？
