In 2017, Nina contributes 10 percent of her $127,000 annual salary to her 401(k) account. She expects to earn a 7 percent before-tax rate of return. Assuming she leaves this (and any employer contributions) in the account until she retires in 20 years, what is Nina's after-tax accumulation from her 2017 contributions to her 401(k) account? (Use Table 1. Table 2. Table 3. Table 4.) (Round your intermediate calculations and final answers to the nearest whole dollar amount. Round "Future value factor" to 4 decimal places.) a. Assume Nina's marginal tax rate at retirement is 30 percent. Before-tax contribution Future value factor Future value of contribution Taxes payable on distribution After tax proceeds from distribution