You have a job at a real-estate agency in the small country of cocovania, where you are paid 72,000 conchs (the currency of cocovania) a year. you are now faced with the decision of whether to work a second job at the local university teaching a real-estate investing class, where the pay is 45,000 conchs a year. social insurance tax and income tax rates are listed below. social insurance taxes: 7.65% on your first 110,100 conchs of total income income taxes: taxable income (in conchs) tax rate 0–8,700 10% 8,700–35,350 15% 35,350–85,650 25% 85,650–178,650 28%