```
for (int year = 1; year <= 10; year++){
amount = principal * Math.pow(1+rate, year);
principal = amount;
System.out.printf("%d%20.2f\n",year,amount);
for (int year = 1; year <= 10; year++){
amount = principal * Math.pow(1+rate, year);
System.out.printf("%d%20.2f\n",year,amount);
// what is the difference between these two?
```