Two people, A and B, are both age x. A buys a 20-year endowment policy, with a constant death benefit of 1, and a pure endowment of 1 at time 20, paying level annual premiums for 20 years. B buys a whole life policy with a constant death benefit 1, paying level annual premiums for life, and in addition, each year, invests the difference between his/her premium and A's premium, in a savings account. At time 20, the reserve on B's policy, plus the amount in his savings account total 1. All premiums were calculated at a constant interest rate of i. B earned a constant rate of j on his investments. Is j greater than, less than or equal to i? Why?