Kathleen, age $56,$ works for MH Incorporated in Dallas, Texas. Kathleen contributes to a Roth $401($k$),$ and MH contributes to a traditional $401($k$)$ on her behalf. Kathleen has contributed $$33,600$ to her Roth $401($k$)$ over the past six years. The current balance in her Roth $401($k$)$ account is $$56,000,$ and the balance in her traditional $401($k$)$ is $$44,000.$ Kathleen needs cash because she is taking a month of vacation to travel the world. Answer the following questions relating to distributions from Kathleen's retirement accounts assuming her marginal tax rate for ordinary income is $24$ percent.

a$.$ If Kathleen receives a $$12,500$ distribution from her traditional $401($k$)$ account, how much will she be able to keep after paying taxes and penalties, if any, on the distribution?