Four friends are hoping to retire at the same time. Two started saving early: Jerry deposited $100 a month, every month for forty years; Elaine deposited $50 twice a month for forty years.The others, waited 20 years to begin saving: George saved $100 twice a month for 20 years; Kramer saved $200 a month for 20 years.Assuming all four friends had the same interest rate, which of the following is true: