Individual Z received the following amounts during the current taxable year:

10% stock dividend valued at $15,000 (10% x 10,000 shares x $15 value), no cash option

$6,000 unemployment benefits

$8,000 disability benefits; disability insurance premiums paid by Z

$3,000 long-term capital gain from sale of Apple stock

Calculate Z's adjusted gross income (AGI) for the year.