If I may Wetty, as i have also done some research into the matter, and I have also learnt alot from this forum...
There are many many factors to consider. In the beginning, you mentioned the person has a tank +/- 100 litre... Thats about 3 foot right? If you throw a MH (even just a 150W) with two T5's on it - YOU WILL NEED A CHILLER!!! The amount of heat MH (and T5's) for that matter creates, will require you to chill the water. So there goes the budget you are trying to meet...
That is why one needs to research what you plan to keep first. Many softies will do fine under two or three T5's (either 24w or 39w.) Thus you eliminate the temperature issue and a chiller is not needed. In smaller tanks (and smaller budgets) I would rather suggest keeping mushrooms etc who does not require Ellis Parks lights to live from. But, if its SPS and Nennies you want, then you have to have a bit of a budget.
You also mentioned two anemone's in a small tank like this... please rethink and research this statement.
Depth is propable one of the most important issues to look at wetty. I am confidend that one can keep an sps under two 39w t5's, if the water column is only 5cm deep... But put that same coral 50cm down, then you will have a problem. thats why most people have mushrooms and sun coral at the bottom of deep tanks and SPS mainly at the top.
My advice is your friend needs to relook her stock if she is working on a budget...