Jamal and Demetrius are both 25 and plan to invest $5000 each year for the next 40 years for retirement. Jamal plans to invest in the Vanguard Total U.S. Stock Market Fund which he thinks has a "gross" expected annualized return of 8.00%. However, its "net" expense ratio is 7.95% as Vanguard charges a 0.05% expense ratio. Demetrius, by contrast, has chosen an actively-managed fund which also has a "gross" expected annualized return of 8.00%. However, the XYZ Corporation that runs the fund charges a typical 0.75% annual expense ratio so the "net" expected return is 7.25%. How much more is Jamal "expected" to have after 40 years of investing than Demetrius?