Fred, a retired accountant, and Jim, a government manager, are 63-year-old identical twins who collect antique pottery. Each has an annual income of $100,000 (Fred's from a pension, Jim's from salary). One buys most of his pottery at local auctions, and the other buys most of his from a local dealer. Which brother is more likely to buy at an auction, and does he pay more or less than his brother who buys from the local dealer?