20. The attached article titled Chinas Foreign-Exchange Reserves Drop Below $3 Trillion, Near Six-Year Low from some years ago states the international reserves held by Chinas central bank decreased by $12.3 billion in January. According to one of the charts, reserves decreased at an average monthly rate of $33 billion over the past 2.5 years so the outflow slowed. If the bank can earn an annual return of 3.00% [compounded monthly] on its reserves and reserves continue to decrease at a monthly rate of $12.3 billion, how many months and years will it be until the reserves are down to $1 trillion?