Robert's marginal tax rate is 37% and his average tax rate is 20%. Robert is considering making a $10,000 charitable contribution at year-end. Which of the following is true? A. Making the charitable contribution could save him $3,700 in taxes. B. His "true" after-tax cost of the charitable contribution is $8,000 assuming he itemizes. C. If he takes the standard deduction, the charitable contribution will have no effect on his taxes. D. A and C are true. E. B and C are true.