Your client has been given a trust fund valued at $1.20 million. He cannot access the money until he turns 65 years old, which is in 25 years. At that time, he can withdraw $20,000 per month. If the trust fund is invested at a 4.0 percent rate, compounded monthly, how many months will it last your client once he starts to withdraw the money? (Do not round intermediate calculations. Round your final answer to 2 decimal places.) *Include how to input it on the financial calculator if possible.