A borrower takes out a loan for $99,000 on a $100,000 property. The loan has a 5% interest rate and is a 10 year fully-amortizing FRM that makes monthly payments. Because of the high LTV on this loan, the lender requires that the borrower pay PMI. Assuming the house value remains constant and that the borrower remains current on payments, when will the borrower no longer have to pay PMI? (i.e. when will PMI automatically be cancelled?) State your answer in number of months. Round any fractional months up to the nearest month.