Jeviec and Avita Sanchez purchased a home on Jarvary 1, 2022 fot, $500,000 by paying $200,000 down and borrowing the femaining $300,000 with a 6 percent toan secured by the home. The loan requires interest-only payments for the Fist five years. The Sanchezes would itemize deductions even if they did not have any deductble interest. The Sanchezes' marginal tax rate is 32 peccent. What is the after-tax cost of the interest expense to the Sanchezes in 2022