H (age 50) and W (age 48) are married but only W is employed. She is not covered by a retirement plan at work. She earns $75,000 during the year and they have combined AGI of $78,000 before any IRA contribution. In 2020, the maximum amount together they may contribute to tax deductible IRAs is O A. $13,000 O B. $6,000 O C. $7,000. OD. $12,000