Margot is a 25 year old and wants to be sure she can retire at age 65 in a position where she will be able to enjoy life without financial anxieties. Among other steps she will take, she has decided to let a $10,000 investment with a 6% interest rate accumulate for 40 years --The difference between ages 25 and 65. Bill does exactly the same as Margot above, except that he starts his 6%/$10,000 investment at age 55. His accumulation period is thus 10 years only. About how much money will each Bill and Margot have saved when they reach 65?