Carol works for Hearts, Inc. Her husband runs a very profitable business. During the year, Hearts paid $1,500 of health and accident insurance premiums on Carol's behalf to Blue Cross Blue Shield (BCBS). Additionally, Hearts paid $6,000 of child care expenses to Daycare, Inc. for Carol's child. In June, Carol had a car accident and was in the hospital for two days. BCBS paid the hospital $10,000 on Carol's behalf.

What amount must Carol include in her gross income?