Twenty years ahead of her retirement, Kelly opened a savings account that earns 5% interest rate compounded continuously, and she contributed to this account at the annual rate of $1200 per year for 20 years. Ten years ahead of his retirement, John opened a similar savings account that earns 5% interest rate compounded continuously and decided to double the annual rate of contribution to $2400 per year for 10 years. Who has more money in his or her savings account at retirement? (Assume that the contributions are made continuously into the accounts.)