Answer:
c) She incurs a penalty of one stroke and must play the ball from where it comes to rest.
Part of Rule 19-2 states;
"If a player's ball is accidentally deflected or stopped by himself, his partner or either of their caddies or equipment, the player incurs a penalty of one stroke. The ball must be played as it lies, except when it comes to rest in or on the player's, his partner's or either of their caddies' clothes or equipment....."
Note that this penalty was reduced, from two strokes in stroke play and loss of hole in match play, to one stroke from 1st January 2008.