S (age 45), who is in a 24% marginal tax bracket, received a traditional $401(k) distribution of $75,000 in 2021. Compute the combined total amount of tax and 10% penalty due to early withdrawal that she will owe if she does not meet any exceptions to the 10% penalty. a. $25,500. b. $7,500. c. $0. d. $18,000.