Tom plans to save $96 a month, starting today, for 21 years. Dick plans to save $96 a month for 21 years, starting one month from today. Both Tom and Dicke expect to earn an average return of 4.87 percent APR on their savings and both will make the same number of deposits. At the end of the 21 years, how much more (in $) will Tom have than Dicke?