Mark's employer pays 55 percent of the premiums for a disability insurance policy and Mark pays for the other 45 percent. The policy pays Mark 65 percent of his normal salary in the event he is injured and cannot return to work for an extended period. Mark is hit by a truck and is unable to work for several months. During the current year, Mark collects $30,000 under his disability policy. How much does Mark include in his gross income?