John White holds 50,000 shares in XYZ Ltd, which has just announced a final dividend of 39 cents per share. The dividend is to be fully franked at the company tax rate of 30%. What is the taxable amount of dividend to be included in John's tax return, assuming he has the highest tax rate? What is the taxable amour ts of dividend to be included in John's tax return, assuming his tax rate is actually 37%