At the end of each year, for the past 25 years Sara has deposited $6,000 in her savings account. A risk-averse investor, during that period her conservative investment choices averaged a 4.8% annual return, compounded semi-annually. Heather made the same sized deposits in her own account, but she was more of a risk-seeker. Over the same 25 year period, due to her more aggressive investment choices Heather averaged an investment return of 7.3%, compounded monthly. How did Sara's account fare compared to Heather's, in terms of future value? Did Sara make poor choices? Discuss.