Bella, age 24, welcomed her first child into the world during the same year she took a $18,000 distribution from her traditional IRA. She used $7,000 for qualified higher education expenses and used the remaining amount for living expenses while on unpaid maternity leave. Calculate the amount of Bella's withdrawal that is subject to a penalty. A $0 ) B $11,000 ) C$18,000 c$6,000