In 2022, Nina contributes 8 percent of her $158,000 annual salary to her 401(k) account. She expects to earn a 9 percent before-tax rate of return. Assuming she leaves this (and any employer contributions) in the account until she retires in 30 years, what is Nina's after-tax accumulation from her 2022 contributions to her 401(k) account? (Use Table 1, Table 2.)

Note: Round your intermediate calculations and final answers to the nearest whole dollar amount.

a. Assume Nina's marginal tax rate at retirement is 30 percent.

After tax proceeds from distribution?

b. Assume Nina's marginal tax rate at retirement is 20 percent.

After tax proceeds from distribution?

c. Assume Nina's marginal tax rate at retirement is 40 percent.

After tax proceeds from distribution?