Alexa is partway through paying back her Home Buyers' Plan withdrawal. Her expected repayment this year is $1,033.

However she did not make any RRSP contributions or repayments this year. What effect will that have?

A. An amount of $1,033 will be added to her income.

B. She will pay a penalty of 10% on the missed payment.

C. The amount of her missed repayment will be added to next year's expected repayment.

D. All of the above.