Assuming a 1-year, money market account investment at 4.78 percent (APY), a 3.94 percent inflation rate, a 15 percent marginal tax bracket, and a constant $70,000 balance, calculate the after-tax rate of return, the real rate of return, and the total monetary return. What are the implications of this result decisions? Assuming a 1-year, money market account investment at 4.78% (APY), a 15% marginal tax bracket, and a constant $70,000 balance, the after-tax rate of return is \%. (Round to two decimal places.)