Frannie and Frank are best friends in college and get a job right after graduating at age 22. Frannie decides to contribute $2,000 annually to her 401(k) retirement account after joining her company, but at age 30, she stops her contributions after making her last payment (all together, she makes 9 payments during her working career). Frank thinks he is too young to worry about retirement in his 20s, but at age 31 he begins to contribute $2,000 to his retirement account and continues these contributions all the way to retirement (he makes 35 payments during his working career). Frannie and Frank work all the way through age 65. How much money do Frannie and Frank have at age 65? How much money would they have if they contributed to retirement from the start of their working careers