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Fred owes $11,000 on his credit card, which carries an annual interest rate of 14.8 percent. If he does not charge anything else and sends

Fred owes $11,000 on his credit card, which carries an annual interest rate of 14.8 percent. If he does not charge anything else and sends the credit card company $412 every month, how many months will it take to pay off the card? (Show your answer to two decimal places, e.g., 12.34)

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