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    EXPENSES      
    Possible out-of-pocket medical expenses    
    Possible home modification costs    
    One year's after-tax salary    
    Subtotal  
           
    CLEARING DEBTS    
    Mortgage    
    Credit card    
    Car Loan    
    Investment Loans    
    Other Debt    
    DEBT TOTAL    
           
    Minus income protection payouts    
    Minus accumulated sick leave    
           
    SUGGESTED TRAUMA COVER