4. Taxpayer and spouse filing a joint personal tax return each maintain separate bank accounts. Taxpayer pays all household bills. The spouse uses Zelle to transfer \( \$ 2,000.00 \) per month to the taxpayer from her account. Taxpayer receives a \( 1099-K \) for \( \$ 24,000.00 \). How would you treat the \( 1099-\mathrm{K} \) on their personal return? a) \( 1099-\mathrm{K} \) is reportable and taxable b) \( 1099-\mathrm{K} \) is reportable and not taxable c) \( 1099-\mathrm{K} \) is not reportable and not taxable d) Requires a schedule C