A contract requires payments of $$3975\mathrm{.}00$ today, $$4765\mathrm{.}00$ in $3$ years, and $$2422\mathrm{.}00$ in $4$ years. When can the contract be fulfilled by a single payment equal to the sum of the required payments if money is worth $7\%$ p$.$a$.$ compounded monthly?State your answer in years and months $($from $0$ to $11$ months$).$