
For the minimum-size record, all three $\mathrm{TEXT}$ fields can contain empty strings:
$\mathrm{name}=0\mathrm{\ bytes}$
$\mathrm{addr}=0\mathrm{\ bytes}$
$\mathrm{phone}=0\mathrm{\ bytes}$
The remaining storage is:
$\mathrm{header}=4$
$\mathrm{abbrev}=3$
$\mathrm{zip}=5$
$\mathrm{enrolled}=4$
Therefore,
$4+3+5+4=16$
Hence,
Answer : $\boxed{16\mathrm{\ bytes}}$
This is a useful distinction from fixed-length records.
A variable-length attribute's maximum declared length is not necessarily the amount of storage actually occupied by every record.