Terry receives $3,000 annually from an annuity contract which she purchased in 2002 for $15,000. Her total expected return under the contract is $45,000 and payments under the contract began in 2003. For the years 2003 through 2012, Terry received $3,000 per year. Of the $3,000 received during 2012, what amount must Terry include in her gross income for 2012 under the general rule? a) $3,000 b) $2,062 c) $2,000 d) $1,000 e) None of the above