(10) You have a balance of $5,000 on your credit card. Assume that you make no more charges on the card. Assume that your credit-card company charges an APR of 22.9% and that each month you make only the minimum payment of 5% of the balance. (a) To the nearest cent, how much will you owe after three years of minimum monthly payments? (b) Use logarithms to determine the time it will take to get the balance below $100 by making only minimum payments. Express your final answer in the form "years andmonths." Round the number of months up to the next whole number