Suppose the marginal tax brackets are as follows: Income between $0 and $25,000 is taxed at 0%, Income between $25,000 and $60,000 is taxed at 5%, Income between $60,000 and $90,000 is taxed at 10%, Income over $90,000 is taxed at 20%. If your income is $95,000, how much do you owe in taxes, and what percent of your income do you pay in taxes?