Cathy and her twin sister Carley, both age 25, each believe they have the superior savings plan. Cathy saved $5,000 at the end of each year for ten years then let her money grow for 30 years. Carley on the other hand waited 10 years then began saving $5,000 at the end of each year for 30 years. They both earned 9% on their investment and are 65 years old today and ready to retire. Which of the following statements is correct?

a. Both strategies are equal as they have equal account balances at age 65.

b. Cathy's strategy is better because she has a greater account balance at age 65.

c. Carley’s strategy is better because she has a greater account balance at age 65.

d. Neither strategy is better because Carley has a greater account balance but Cathy contributed less.