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5. Ayesha refinances her home mortgage on April 1 of the current year. She obtains a 30-year mortgage at 5%. As part of the refinancing, she pays points of $3,600 (a customary practice in her location). What amount, if any, of the points are deductible? A) $0 B) $70 C) $90 D) $3,600 6. P yo's records reflect the following information: 1. Paid $200 dues to a fraternal organization (such as the Elks Club). 2. Donated stock having a fair market value of $3,500 to a qualified charitable organization. She purchased the stock 9 months earlier for $3,000. 3. Paid $1,600 cash to qualified public charitable organizations. Pyo's adjusted gross income for this year was $50,000. What is the amount of her charitable contribution deduction for the year? A) $4,600 B) $4,800 C) $5,100 D) $5,300