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Leonardo, who is married but files separately, earns $61,500 of taxable income. He also has $15,800 in city of Tulsa bonds. His wife, Theresa, earns

Leonardo, who is married but files separately, earns $61,500 of taxable income. He also has $15,800 in city of Tulsa bonds. His wife, Theresa, earns $50,800 of taxable income. If Leonardo and his wife are married filing jointly in 2020, what is Leonardo and Theresa's effective tax rate for 2020?

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