I now have $28,000 in the bank earning interest of 1.00% per month. I need $38,000 to make a down payment on a house. I can save an additional $100 per month. How long will it take me to accumulate the $38,000? (Do not round intermediate calculations. Round your answer to 2 decimal places. Use a financial calculator or Excel.)

What is the time required? (in months)