Kobe made contributions to a roth ira over the course of 25 working years. his contributions averaged $5,000 annually. kobe was in the 27% tax bracket during his working years. the average annual rate of return on the account was 4%. upon retirement, kobe stopped working and making roth ira contributions. instead, he started living on withdrawals from the retirement account. at this point, kobe dropped into the 15% tax bracket. factoring in taxes, what is the effective value of kobe's roth ira at retirement? assume annual compounding. (3 points)