Assuming a 1-year, money market account investment at 2.64 percent (APY), a 1.7% inflation rate, a 33 percent marginal tax bracket, and a constant $60,000 balance, calculate the after-tax rate of return, the real retum, and the total monetary return. What are the implications of this result for cash management decisions? Assuming a 1-year, money market account investment at 2.64 percent (APY), a 33 percent marginal tax bracket, and a constant $60,000 balance the after-tax rate of return is % (Round to two decimal places.)