Carmen feels very charitable in 2020, and makes the following payments: $5000 to Harvard University $10,000 to her local food bank, a qualified charity 45 hours of her time to the food bank (Carmen earns $32 per hour) $450 in expenses while volunteering at the food bank $1000 to her friend running for mayor IBM stock to a qualified charity; held for 5 years, FMV = $10,000, basis = $20,000 Exxon stock to a qualified charity; held for 3 years, FMV = $40,000, basis = $15,000 Carmen has 2020 AGI of $75,000. What is her 2020 charitable contribution deduction and carryover, if any?