Kim Edwards and Chris Phillips are both newly minted 30-year old MBAs. Kim plans to invest $1,000 per month into her 401(k) beginning next month, while Chris intends to invest $2,000 per month, but he does not plan to begin investing until 10 years after Kim begins investing. Both Kim and Chris will retire at age 67, and the 401(k) plan averages a 12 percent annual return compounded monthly. Who will have more 401(k) money at retirement?