Ian invested $20,000 in an account paying an interest rate of 3\tfrac{1}{4}3 4 1 ​ % compounded continuously. Lauren invested $20,000 in an account paying an interest rate of 3\tfrac{7}{8}3 8 7 ​ % compounded monthly. After 20 years, how much more money would Lauren have in her account than Ian, to the nearest dollar?