Derek invests $300 at the end of each quarter for 20 years in an account paying 6.72% interest compounded quarterly and then he retires. Suppose that he was in the 39.6% bracket when the deposits were made and interest was earned. Suppose his tax bracket is now 28% in retirement. Find the current after-tax value of Derek's account if it was set-up as (i) a Traditional Individual Retirement Account (IRA): $ Number (ii) a Roth Individual Retirement Account (Roth-IRA): $ Number