Penny is 57 years old and she participates in her employer's 401(k) plan. During the year, she contributed $2,000 to her 401(k) account. Penny's AGI is $29,000 after deducting her 401(k) contribution. What is Penny's 2016 saver's credit in each of the following alternative scenarios?

a. Penny is not married and has no dependents.

b. Penny files as a head of household and she has three dependents.

c. Penny files as a head of household and she has one dependent.

d. Penny is married and files a joint return with her husband. They have three dependents.

e. Penny files a separate tax return from her husband. She claims two dependent children on her return.