5-40 (Algorithmic) (LO. 2) Ellen spent the last 65 days of 2021 in a nursing home. The cost of the services provided to her was $22,750 ($350 per day). Medicare paid $6,400 toward the cost of her stay. Ellen also received $14,720 of benefits under a long-term care insurance policy she purchased. Assume that the Federal daily excludible amount is $400. If the amount is zero, enter 0. What is the effect on Ellen's gross income? The amount of her exclusion is $ and the amount included in her gross income is $ 0