Justus and Julius are twins. Beginning at age 25, Justus invests $3,000 per year for 10 years and then never sets aside another penny. Julius waits ten years (age 35) and then invests $3,000 per year for the next 30 years. Assuming they both earn 6%, how much each twin have at 65? (Hint: Use Appendixes A.1 and A.3)