Chris Ricci has several credit cards, on which she is carrying a total current balance of $12,500. She is considering transferring this balance to a new card issued by a local bank. the bank adervtises that, for a @5 fee, she can transfer her balance to a card that charges a 0% interest rate on transferred balances for the first 9 months. Calculate the fee that Chris would pay to transfer the balance, and describe the benefits and drawbacks of balance transfer cards.