Six Columns In, How Many Numbers Out?

A loan-scoring team is turning a raw spreadsheet into a design matrix $X$.

The spreadsheet has $180$ rows — one per applicant — and six columns:

Three rules are applied while $X$ is built:

1. $12$ applicants have a missing annual_income, and those rows are deleted before anything else happens.
2. A categorical column with $k$ levels becomes $k-1$ indicator columns — one level is held out as the reference. A column already stored as $0$ / $1$ is numeric, so it is used as-is.
3. The model carries a bias term, implemented as a leading column of $1$s.

If $X$ has $n$ rows and $d$ columns, it stores $n \times d$ individual numbers.

How many individual numbers does the finished design matrix $X$ contain?

Give the exact whole number.