Pelican Point Financial Group$$s clientele consists of two types of investors. The first type of investor makes many transactions in a given year and has a net worth of over $$1$ million. These investors seek unlimited access to investment consultants and are willing to pay up to $$25,000$ annually for no$-$fee$-$based transactions, or alternatively, $$40$ per trade. The other type of investor also has a net worth of over $$1$ million but makes few transactions each year and therefore is willing to pay $$120$ per trade.

As the manager of Pelican Point Financial Group, you are unable to determine whether any given individual is a high$-$ or low$-$volume transaction investor. To deal with this issue, you design a self$-$selection mechanism that permits you to identify each type of investor. You offer two types of plans for customers with more than $$1$ million in assets: one plan has an annual maintenance fee but offers a large number of "free" transactions $($call this the "Free Trade" Account$)$; the other plan has no annual maintenance fee but charges for each transaction $($call this the "Free Service" Account$).$

Determine the specifics for each plan as listed below: