Question 18 1 pts Which of the following is a partly refundable tax credit? O Retirement Savings Contribution Credit. Earned Income Tax Credit. American Opportunity Credit. Lifetime Learning Credit. Question 19 1 pts Which of the following results from selling a capital asset at a gain when the asset was owned for more than a year? Short-term capital gains. O Withholdings. O Ordinary income. Long-term capital gains. Question 20 1 pts Lorna, 32 and single, is a full-time student who works as a tennis instructor earning $1,500 per month. After taking a personal finance class, she decides to open and make contributions to a Roth IRA. In 2018, she contributed $4,000 to her Roth IRA. Which of the following best describes Lorna's situation? O Lorna is not eligible to receive the retirement savings credit because she is a full- time student Lorna is eligible to receive a refundable retirement savings credit of $1,000 since she contributed more than $2,000 to her Roth IRA and has an annual income of $18,000 Lorna is eligible to receive a nonrefundable retirement savings credit of $1,000 since she contributed more than $2,000 to her Roth IRA and has an annual income of $18,000. Lorna is eligible to receive a retirement savings contribution credit of $4,000 for contributing to her Roth IRA