Harriet and Harry Combs (both 37 years old) are married, and both want to contribute to a Roth IRA. In 2020, their AGI before any IRA contribution deductions is $50,000. Harriet earned $46,000 and Harry earned $4,000.

a. How much can Harriet contribute to her Roth IRA if they file a joint return?

b. How much can Harriet contribute if she files a separate return?

c. How much can Harry contribute to his Roth IRA if they file separately?