Jim has a house payment of $1,145 per month of which $973 is interest and real estate taxes with the remaining $172 representing a repayment of the principal balance of the note. Jim's marginal tax rate is 20 percent. What is Jim's after-tax cost of his home mortgage payment? If required, round your final answer to the nearest dollar.

a.$1,111

b.$195

c.$34

d.$950

e.Some other amount