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2. You have had enough of your credit card debt, and decide to not make any more purchases on your Capital One card once the balance reaches $3,475.23. Suppose your card has an APR of 21.99% with a minimum payment of 3.5%. (a) (2 points) If you only make the minimum payment, after how many months will your balance drop below $1,000? (b) (2 points) If you instead make the minimum payment plus an additional $150, after how many months will your balance drop below $1,000