Wilma has a $10,000 certificate of deposit (CD) at the local bank. The interest on this certificate, $450, was credited to her account this year, but she must pay an early withdrawal penalty if she cashes in the CD before next year. Which of the following is a true statement? Multiple Choice Wilma must include the $450 of interest in her income this year. Wilma must include the $450 of interest in her income when she cashes the CD. Wilma must include the $450 of interest in her income this year only if the bank waives the early withdrawal penaity Wilma must include the $450 of interest in her income next year if the does not pay the early withdrawal penalty. All of the choices are correct