Cami (age 52 and married) was recently laid off by her employer because of a drop in business due to the off coronavirus. Camis annual AGI was usually around $50,000. Shortly after Camis employment was terminated, her employer distributed the $75,000 balance of her employer-sponsored 401(k) account to her on June 1, 2020. What could Cami do to avoid being assessed the 10-percent early distribution penalty? How would you answer if the CARES Act had applied?