45. Fergie has the choice between investing in a State of New York bond at 5 percent and a Surething Inc. bond at 8 percent. Assuming that both bonds have the same nontax characteristics, and that Fergie has a 30 percent marginal tax rate, in which bond should she invest?" 46. Using the facts in problem 45, what interest rate does the State of New York bond need to offer to make Fergie indifferent between investing in the two bonds