Two individuals have both been saving for retirement. Person A saved using a Roth IRA and their retirement tax rate is 15%. Person B saved using a Traditional IRA and they also are in a 15% tax bracket. If both people were able to save $500,000, then we know that person A has a _________________ effective after-tax account balance, while person B has a _________________ effective after-tax account balance.

a) $500,000; $425,000

b) $425,000; $425,000

c) $425,000; $500,000