Art Williams, radio station manager in Franklin County, New Jersey, is in the 25 percent federal marginal tax bracket and pays an additional 5 percent in taxes to the state of New Jersey. Art currently has more than $20,000 invested in corporate bonds bought at various times that are earning differing amounts of taxable interest: $10,000 in ABC earning 5.9 percent; $5000 in DEF earning 5.5 percent; $3000 in GHI earning 5.8 percent; and $2000 in JKL earning 5.4 percent. What is the after-tax return of each investment?