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%.
Family living expenses will decline by $30,000 per year;
问题1:这个条件为什么在计算的时候没有考虑到？我当时算了这个折现，但是没答案了。
问题2:已知家庭每年支出95000（没死前已知），现在去世后，花销降了30,000，这句英文我也没懂，是花销降到了$30,000每年？还是花销减少了$30,000，变成了65000呢？
