Over the past three years, Sherry has contributed a total of $13,500 to a Roth IRA account ($4,500 a year). The current value of the Roth IRA is $21,850. In the current year, Sherry withdraws $19,500 of the account balance to purchase a car. Assuming Sherry is in a 25 percent marginal tax bracket, how much of the $19,500 withdrawal will she retain after taxes to fund her car purchase?

a) amount of withdrawl?____

b) non taxable amount?

c) amount subject to tax ?___

d) tax rate?_25__

e) Penalty rate?__10_

f) Tax?___

g) Penalty?____

h) After tax withdrawl retained?______