In 2020. Suzanne has $5,000 short-term capital loss and $20,000 0%/15%/20% long-term capital gain. She is single and has other taxable income of $15,000. Which of the following statements is correct regarding Suzanne's income?

a. None of her taxable income is taxed at 0%

b. No more than $13,000 is taxed at 0%

c. No more than $15,000 is taxed at 0%

d. No more than $7,000 is taxed at 0%