An investment account starts with $2000. In the first year, its value increases by 5%. In the second year, its value decreases by 2%. Two financial analysts, Carol and David, calculate the final value independently. Carol calculates the 5% increase first, then applies the 2% decrease to the new value. David calculates the 2% decrease first, then applies the 5% increase to the new value. What is the difference between Carol's final amount and David's final amount?