2021 Nina contributes 19% of her $80,000 salary to her 401K. She expects to earn a 5% before tax rate of return. Assuming she leaves this (and any employer contributions) in the account until she retires in 25 years. What is Nina's after-tax accumulation from her 2021 contributions to her 401K account?

a. Assume Nina's marginal tax rate at retirement is 30%

b. Assume Nina's marginal tax rate at retirement is 20%

c.. Assume Nina's marginal tax rate at retirement is 40%