Ben, who has a federal personal income tax rate of 20 percent, holds an oil stock that appreciates in value by 10 percent each year. He bought the stock one year ago. Bens stockbroker now wants him to switch the oil stock for a gold stock that is equally risky. Ben has decided that if he hold the oil stock, he will keep it only one more year and then sell it. If he sells the oil stock now, he will invest all the (after-tax) proceeds of the sale in the gold stock and then sell the gold stock one year from now. Suppose the Ben buys the oil stock for $2,500 at the start of period 0. How much will Ben receive after tax if he holds on to the oil stock now, and then sell it one year later?what is the minimum rate of return the gold stock must pay for Ben to make the switch? Answer the question with the lock-in effect.