Suppose that there is a flat 20% income tax rate, but otherwise U.S. tax law is the same as that in place. You make $40,000 per year. If your employer pays for your $4,000 per year insurance policy and deducts the expense from your salary, your after-tax, after-insurance take-home pay is _____. If you pay for your $4,000 per year policy directly, your after-tax, after-insurance take-home pay is _____.