Selma and Patty are twins and both work at the Springfield Department of Motor Vehicles. Selma and Patty decide to save for retirement, which is 35 years away. They'll both receive a 7% annual return on their investment over the next 35 years. Selma invests $ 1 800 per year at the end of each year only for the first 10 years of the 35-year period for a total of $ 18 000 saved. Patty does not start saving for 10 years and then saves$ 1 800 per year at the end of each year for the remaining 25 years or a total of $ 45 000 saved.

When she retires, Selma will have? Patty will have?