RJ has the following expenses in 2020: Medical Expenses $10,000 State Taxes $7000 Real Estate Taxes $8000 Cash Charitable Contributions $500 Mortgage Interest $6500 Continuing education costs Employer didnt pay for $300 Gambling Losses $1000 RJs mortgage was to buy his house and had a principal amount of $600,000. RJ files single and his 2020 AGI is $95,000, including $750 of gambling winnings. How much are RJs itemized deductions in 2020?

a. None of these

b. $21,725

c. $21,025

d. $20,975

e. $20,725