4. Tom and Beth are twins. They save for retirement as follows: . Starting at age 25, Tom deposits $1000 twice a year for 40 years at 4.8% per year compounded semi-annually. Starting at age 45, Beth deposits $1000 four times a year for 20 years at 4.8 % per year compounded quarterly. Who will have the greater amount at retirement? Tom's retirement: Beth's retirement