Rob and Nina, a married couple, received investment income of $14,000 (Form 1099-INT) from interest and dividends. They invested by borrowing stock against their brokerage account and paid margin interest of $16,000 during the year. Additionally, they paid $12,000 of home mortgage interest, $3,000 of interest on a $50,000 home equity loan for a new room, $4,500 of credit card interest, and $2,000 of automobile loan interest. They have no other tax-exempt investments. What amount of interest deductions can they report on their 2022 tax return, after limitations?