The annual percentage rate (APR) on your credit card is 14.5% (monthly compounded). During the first week of school, you racked up $700 in credit card debt. You do not have access to a cheaper source of financing, and you definitely do not want to tell your parents, so you decided that you will pay it all back in $75 equal monthly instalments. Your first payment is due today. How long will it take to bring your credit card balance to zero?