Joern and Bin went on a year-long round-the-world backpacking tour starting January 1. Five days before the trip, each had opened a bank account. Then their insurance companies started to withdraw $300 from their accounts, respectively, on the first business day of each month. Assuming no other deposits or withdrawals, whose account had more money in it at the end of the year of travels?
1. On April 15 during the tour, Bin's account had twice as much money as Joern's account.
2. On June 15 during the tour, Bin's account had four times as much money as Joern's account.