Selma and Patty Bouvier are twins, and both work at the Springfield DMV. They decide to save for retirement, which is 40 years away. They'll both receive an annual return of 12 percent on their investment over the next 40 years. Selma invests $2,000 per year at the end of each year only for the first 10 years of the 40-year periodfor a total of $20,000 saved. Patty doesn't start saving for 10 years and then saves $2,000 per year at the end of each year for the remaining 30 yearsfor a total of $60,000 saved. How much will each of them have when they retire?