Employer has a 4-year vesting schedule: 25% per year starting immediately. Company matches 75%. Employee contributes $8,000 in year 1. year 2 and year 3, then leaves the company after three full years, The total employee contributions upon departure The total employer contributions the employee is eligible to take upon departure - If everything were the same except the employer had 3-year cliff vesting, and the employee left after 3 full years, the total employer contributions the employee would be eligible to take upon departure =