Lady is single. Lady's salary is $75,000. Her tax withholding is $10,000. She has itemized deductions of $15,000. If Esterina files single for 2020, what is her tax refund or tax amount that is owed to the IRS? A) Owe $1,231 in tax. B) Owe $2,538 in tax C) Have a refund of $721 D) Have a refund of $1,010.