Bridgetts son, Conner, is $12,000 in arrears on his residential mortgage payments. Of the $12,000, $8,000 represents interest and $4,000 represents principal.

a. If Bridgett pays the $12,000 to the lender, how much can she deduct? How much can Clyde deduct?

b. If Bridgett pays the $8,000 of interest to the lender and loans or gives $4,000 to Clyde, who pays the $4,000 of principal, how much can Bridgett deduct? How much can Clyde deduct?

c. If Bridgett gives or lends the $12,000 to Clyde who pays the lender, how much can he deduct? How much can Bridgett deduct?

d. Advise Bridgett and Clyde on how the payment should be made.