Patty is trying to decide between buying a Microsoft bond paying 12% and a Ocean City bond paying 9%. If Patty is in the 19% tax bracket, which bond provides the best return to her and how much exactly is that return?

Ocean		bond with a 9.0% return
		Microsoft with a 9.72% return
		Microsoft bond with a 10.54% return
		Microsoft with a 11.36% return.