Joshua invested $99,000 in an account paying an interest rate of 4\tfrac{1}{2}4 2 1 % compounded continuously. Melanie invested $99,000 in an account paying an interest rate of 4\tfrac{5}{8}4 8 5 % compounded quarterly. After 16 years, how much more money would Melanie have in her account than Joshua, to the nearest dollar?