Laura spent the last 75 days of 2021 in a nursing home. The cost of the services provided to her was $20,625 ($275 per day). Medicare paid $12,400 toward the cost of her stay. Laura also received $15,800 of benefits under a long-term care insurance policy she purchased. Assume that the Federal daily excludible amount is $400. If the amount is zero, enter 0. What is the effect on Laura's gross income? The amount of her exclusion is $________