For how long will Kale have to make payments of $$164\mathrm{.}00$ at the end of every three months to repay a loan of

$$1091\mathrm{.}00$ if interest is $9\%$ compounded quarterly? State your answer in years and months $($from $0$ to $11$ months$).$

Kale will have to make payments for year$($s$)$ and month$($s$).$