Marisa and Jennifer both attempted to put away $10,000 a year toward savings. Marisa used a 401(k) pension plan while Jennifer tried to do the same but was forced to pay taxes on that $10,000 in savings each year. Assuming that the process was the same each year for 40 years, how much will Marisa and Jennifer have at the end of the period, assuming identical investments providing pretax returns of 10 percent annually? The marginal tax brackets for both are 35 percent overall and for Jennifer's investments 27 percent due to blending income with favorable capital gains rates. (Be sure to use after-tax figures for Jennifer's deposits and investment returns.)