4. Mary and Kendal both work for Amazon. They both make $40,000 and they also each have $2200 a year in child care expenses. Mary deposits $2200 a year into a dependent care flexible spending account while Kendal does not. They both have a tax rate of 19%. How much does Mary save vs. Kendal in a given year? (3 points) 5. Pete works for a company that provides him health insurance on non-contributory basis. His employer spends $4,200 on this health insurance. What is the pre-tax salary equivalent of this tax free benefit if his tax rate is 23%? (3 points)