At January 1, 2024, Betty DeRose, Inc. had an allowance for doubtful accounts with a $4,390 credit balance. During 2024, Betty recorded $9,560 of write-offs and recorded $2,750 of recoveries of accounts receivable that had been written off in prior years. At December 31, 2024, Betty prepared the following aging schedule: not past due 1-30 days past due 31-60 days past due 61-90 days past due over 90 days past due Accounts Receivable $150,000 $ 64,000 Uncollectible 2% 6% 9% TT $ 39,000 $ 47,000 $ 11,000 Calculate Betty's bad debt expense for 2024. 15% 35%