Molly turned age 65 on May 19, 2020. During the year, she received distributions from her health savings account (HSA) totaling $1,075. She paid $522 for a year's supply of nutritional supplements in February. In April, she paid $126 to her podiatrist, and in August and October she paid $427 to her chiropractor. The penalty on Molly's nonqualified distributions is O $215 O $104 O $81 O $25