Please help...I will upvote!

Based only on the information provided for each scenario, determine whether Kristi or Cindy will benefit more from using the timing strategy and why there will be a benefit to that person. Use Exhibit 3.1 Note: Round discount factor(s) to three decimal places. a. Kristi has a 40 percent tax rate and can defer $24,000 of income. Cindy has a 30 percent tax rate and can defer $34,000 of income. b. Kristy has a 30 percent tax rate and a 11 percent after-tax rate of return and can defer $29,000 of income for three years. Cindy has a 40 percent tax rate and an 9 percent aftertax rate of return and can defer $24,000 of income for four years