a. On November 1, 1996, Ms. Rodgers invested $10,000 in a 10-year certificate of deposit that paid interest at the annual rate of 4% compounded continuously. When the certificate matured on November 1, 2006, she reinvested the entire accumulated amount in corporate bonds, which earn interest at the rate of 5% compounded annually. To the nearest dollar, what will be Ms. Rodgers's accumulated amount on November 1, 2011?

b. If Ms. Rodgers had made a single investment of $10.000 in 1996 that matures in 2011 and has an effective rate of interest of 4.5%, would her accumulated amount be more or less than that in part (a) and by how much (to the nearest dollar)?