Andy and Ben owned half of a two-unit residential building. Ben lived in the unit, but Andy did not. To collect a judgment against the, Dan obtained a writ of execution directing the sheriff to seize and sell the building. State law allowed a $100,000 homestead exemption if the debtor lived in the home and $175,000 if the debtor was also disabled and "unable to engage in gainful employment. Andy argued that he could not work because of "gout and dizziness." How much of an exemption were Andy and Ben allowed? Why?