Using life insurance tables, a retired couple determines that the probability of living 5 more years is 0.87 for the man and 0.92 for the woman. They decide to take out a life insurance policy that will pay $10,000 if either one dies during the next 5 years and $15,000 if both die during that time. How much should they be willing to pay for this policy? (Assume that their life spans are independent events.)"