Ava has not yet filed her 2021 personal income tax returns (combined Federal and Quebec) and has asked you for help. For 2021, she provided you with the following:

-T4 tax slip from Hydro-Qubec where she works as an engineer, reporting her 2021 gross annual salary of $105,000;

-T5 tax slip showing interest income received in 2021 of $1,500;

-On December 1, 2021, she sold 100 shares in Canadian Tire for $180/share (she had purchased 150 shares when they were at $110/share in 2019);

-Made a Tax-Free Savings Account (TFSA) contribution of $6,000 on January 1, 2021;

-Contributed the maximum to her Registered Retirement Savings Plan (RRSP) plan on May 15, 2021, when she received her company bonus (note that her 2020 earned income was $100,000; she maximizes her RRSP contribution each year and is not part of a company pension plan);

-Professional dues from the Order of Quebec Engineers that she can deduct in the amount of $945; and

-Has a capital loss of $60 from a previous year that she can deduct against her capital gain.

Question: What is Avas marginal tax rate?