Tony, age 40 is married and is interested in purchasing his first home. He is considering accessing the funds in his Tradition IRA towards purchasing the home and/or covering other living expense. What amount, if any, can Tony withdraw without any penalty?

a.$1,000,000 towards the purchase of the home.

b. $20,000 towards his children's nursery school.

c. The amount of his family's unreimbursed medical bills to the extent that they are in excess of 7.5% of his AGI

d.All of the above.