Penny is 57 years old and she participates in her employers 401(k) plan. During the year, she contributed $2,000 to her 401(k) account. Pennys AGI is $29,000 after deducting her 401(k) contribution. What is Pennys savers credit in each of the following alternative scenarios? (Use Exhibit 13-9)

d. Penny is married and files a joint return with her husband. They have three dependents.

Saver's credit: