Jack and Jill want to retire when they accumulate $1,500,000 in their individual retirement funds. They figure that they can just live off on the interest after that on perpetuity, no matter how long they live. Both of them are starting off today with $100,000 each, but Jill has her money invested in a mutual fund earning 11% per year, compounded semi-annually, while Jack is earning 10.50% with daily compounding. How long will it take each to retire? Who will retire first?