You learned about Federal income tax methodology by investigating Form 1040 and progressive tax rates. Which of the following "above-the-line adjustment" strategies would allow you to lower your adjusted gross income (AGI)? (1) purchase a family residence so that you can write-off mortgage interest (2) contribute to a health savings account (3) make a pre-tax deferral to your employer's 401(k) retirement plan (4) contribute to a qualified charity (5) pre-tax contribute to an IRA (6) claim an educational tax credit 1, 2 and 5 4, 5 and 6 2, 3 and 5 3, 4 and 6