A person borrows $3,300 on a bank credit card at a nominal rate of 18% per year, which is actually charged at a rate of 1.5% per month. (a) What is the annual percentage yield (APY) for the card? (Round your answer to one decimal place.) (b) Assume that the person does not place any additional charges on the card and pays the bank $150 each month to pay off the loan. Let B, be the balance owed on the card after months. Find an explicit formula for B (c) How many months will be required to pay off the debt? (Round your answer up to the nearest whole number.) months (d) What is the total amount of money the person will have paid for the loan? $