Sofia and Jose are both 25 and plan to invest $5000 each year for the next 40 years for retirement. Sofia plans to invest in the Vanguard Total U.S. Stock Market Index Fund which she thinks will have a "gross" expected annualized return of 8.50%. Vanguard charges a 0.05% expense ratio so its "net" expected return is 8.45%. Jose, by chance, plans to invest in the XYZ corporation's fund which also has a "gross" expected return of 8.50%. However, the XYZ fund has an expense ratio of 0.50% so its "net expected return is accordingly lower than Sophia's fund. How much more is Sophia "expected" to have after 40 years of investing than Jose? (DO NOT PUT IN $ SIGN OR COMMAS. EXAMPLE: 100100.10)