Beverly's daughter-in-law, Alice, asked if Beverly could help her grandmother purchase a new car in 2018. Alice's grandmother was 65 and needed reliable transportation to travel to and from her job. The car cost $25,000, and the grandmother could pay $1,000 down. However, she could not secure affordable financing from the bank due to a previous bankruptcy. Beverly agreed to loan Alice's grandmother $24,000. The grandmother signed a loan agreement that included interest at 4.5%. The agreement also gave Beverly a security interest in the car and required payments of $300 per month. In 2020, the grandmother was forced to file a second bankruptcy. At that time, she owed Beverly $19,000 on the car loan. The grandmother voluntarily returned the car to Beverly, who sold the car for $10,000 on November 12, 2020. The remaining balance on the loan is completely uncollectible. Beverly, a retired college professor, is a cash basis, calendar year taxpayer. What is the amount and character (if any) of Beverly's tax deduction for 2020? $19,000; ordinary loss $19,000; short-term capital loss $9,000; short-term capital loss 59,000, ordinary loss