If Tom deposit $10,000 to Bank A with simple interest rate of 2% per quarter for 5 years. How much in total will he get at the end of year 5? If Matt deposit $10,000 to Bank B with compound interest rate of 2% per quarter for 5 years. How much in total will he get at the end of year 5? Please explain the difference between the amount that Tom and Matt get? Show your calculation to get full points