Laura spent the last 80 days of 2020 in a nursing home. The cost of the services provided to her was $24,000 ($300 per day). Medicare paid $8,800 toward the cost of her stay. Laura also received $14,000 of benefits under a long-term care insurance policy she purchased. Assume that the Federal daily excludible amount is $380. If the amount is zero, enter 0. What is the effect on Laura's gross income? The amount of her exclusion is $ and the amount included in her gross income is $