5. Number of periods in an annuity: You just received a credit offer in an email. It seems a company is offering you $6,000 at 12.8 percent interest. The monthly payment would only be $110. If you accept this offer, how long will it take you to pay off the loan (in months)? (Note: although a formula exists to find the value of 't', it is quite complicated. Therefore, please use your financial calculator to solve this problem)