Consider a bank where loan applications are first reviewed by a credit analyst, and then by a loan officer. The credit analyst takes 13 minutes to review each application, and the loan officer takes 7 minutes for each application. Both start the day with no other work. A batch of 5 applications is delivered to the credit analyst at the start of the day. Assuming that the credit analyst gives each application AS SOON AS IT IS REVIEWED to the loan officer, how long (in minutes) does it take for the batch to be completed (by both the credit analyst and the loan officer)?