at age 21 Julio begins saving $1,000 each year until age 35 (15 payments) in an ordinary annuity paying 5.2% annual interest compounded yearly and then leaves his money in the account until age 65 (30 years). His friend Max begins at age 41 saving $2,000 per year in the same type of account until age 65 (25 payments). How much does each have in his account at age 65?