Which of the following taxpayers may make a contribution to a traditional IRA? All have a single filing status.

Chloe (64) has an AGI of $36,000 consisting of pension income of $17,000, interest of $5,125, dividends of $6,775, and net rental income of $7,100.

Jarred (74) has an AGI of $63,230 consisting of wages of $45,955, taxable social security of $12,895, and interest income of $4,380.

Kerri (78) has an AGI of $9,450 consisting solely of interest.

Pharrell (48) has an AGI of $79,890 consisting of net rental income of $72,000 and dividend income of $7,890.