Louis and Charles are twins that took different approaches in investing. Louis saved RM2000 per year for 10 years starting at the age of 22 and never added any more money to the account until retirement at the age of 65. However, Charles saved RM2000 per year for 20 years at the age of 35 until his retirement by the age of 65. Assuming the brothers earned an 8 percent return, who had accumulated the most by the time they reached 65 years old?