Kim is diligent and, starting on her $18$th birthday, she saves $$1200$ and continues her annual savings $($on her birthdays$)$ until her $25$th birthday. After the deposit on her $25$th birthday she stops her annual deposits but leaves her accumulated savings in the bank. Kylie doesn't start saving until she is $26,$ at which time she starts saving $$1200$ a year. She saves annually up to $($and including$)$ her $60$th birthday. How much more or less does Kim have compared to Kylie at age $60($FV Kim minus FV Kylie $)?$ Assume an interest rate of $9\%$ for both women. Round your answer to the nearest whole number $($no decimals$).$ If Kim has less than Kylie, be sure to enter the negative sign. The answer is $11309.$ please explain with equations how the answer is $11309$ thank you :)