Emily, who is single, sustains an NOL of $13,720 in 2019. The loss is carried forward to 2020. For 2020, Emily's income tax information before taking into account the 2019 NOL is as follows:

Adjusted gross income

$68,600 Itemized deductions*:

Medical [$8,232 - (10% x $68,600)] $1,372

Taxes 10,290

Interest expense on home mortgage 20,580 (32,242) Taxable income

$36,358 * The 2019 single standard deduction is $12,000; Emily's itemized deductions will exceed the 2020 single standard deduction (after adjustment for inflation). The medical expense AGI floor is 10% in 2020.

How much of the NOL carry forward can Emily use in 2019, and what is her adjusted gross income and her taxable income?