29. Phillip and Naydeen Rivers are married with two dependent children. The family has household income of $40,160 in 2019. They paid $11,000 for health care for the year through the health care exchange. A designated silver plan would have cost $9,800. What is the Rivers' premium tax credit?

a.$8,033

b.$0

c.$11,000

d.$7,941

e.$9,800