Emily is holding shares of stock A with market value of $100,000 that includes unrealized capital gains of $25,000. Tax rate on realized capital gains is 20%. Stock A is expected to earn annual return of 5.6% in the future. Stock B is expected to earn a 7.8% annual return in the future. What will be the after-tax value of switching to stock B now at the end of the holding period of three more years?