Bob Costas is aiming to have $$1,000,000$ in his retirement account $42$ years from today. To accomplish his goal, Bob has been offered two investment options both earning $5\mathrm{.}6\%$ annual rate. The first option is an ordinary annuity and the second option is an annuity due. Both requiring annual deposits. Bob can expect that his annuity payments will be smaller with an annuity due than with an ordinary annuity.