Helen estimates that her take-home pay for the coming year will be $1420 per month. She expects total monthly expenses to be as follows: housing and utilities, $800; food, $200; auto, gas, and insurance, $220: credit card payment, $60; and other expenses $100. The balance on her credit card is $2500, and she currently pays 18 percent interest on this balance. Helen would like to reduce her credit card debt. If she decides to budget all of her net monthly cash flow to this goal, how long will it take (in months) to pay off her credit card? O 78 O 32 O 25 O 21