kaylee is single and has no dependents. she has $$78,000$ in wages from which she deposits $$3,200$ in a tax deferred retirement account. she contributes $$2,800$ to charity and pays $$3,000$ in mortgage intrest. She is trying to decied whether she should itemize or take the standard decuction of $$5,700.$ Calculate kaylees itemized deduction and then specify whether she should itemized or take the standard deduction.

Justify the choice with a sentence.