4. Tex John and Mary get married in October 2020. John has taxable income of $88,291 and Mary has taxable income of $74,999 for the year. Using Single rates, John's average tax rate would be 20.55% and Mary's would be 19.78%. Using Married Filing Jointly rates, their average tax rate would be 18.55%. Are John and Mary eligible to file using Married Filing Jointly rates in 2020? If yes, how much will they save if they file MFJ? Alig