Twin brothers Marcus and Markieff graduated from Moeller High School. Marcus

decided to take a factory job and start making money right away and Markieff

wanted to become a doctor. Their parents were very supportive offering free housing for both. In addition, they decided to pay for Markieff$$s college education for $4$

years. Markieff had to take out a loan from the government to pay for his medical degree.

To be fair to Marcus, the parents gave him $$10,000\mathrm{.}00$ each year for $4$ years to help him

save for retirement. Marcus decided to invest

$$10,000\mathrm{.}00$ each year for $12$ years. $12$ years later at age $30,$ Markieff graduated and

started his medical practice. For the first $5$ years, he used all his savings to pay off his

government load for going to medical school. At age $35,$ he started investing $$10,000$ a year till his retirement at the age of $65.$ Which brother will have a higher amount of retirement savings if the average return on their investment is $7\%$ per annum.