Jack and Emma each have invested $120,000 in an investment account. No other contributions will be made to their investment account. Both have the same goal, they each want their account to reach $2,800,000 at which time each will retire. Jack has his money invested in risk-free securities with an expected return of 11% compounded monthly. Emma has her money invested in a stock fund with an expected return of 13% compounded quarterly. How many years after Emma retires will Jack retire? (keep four digits throughout the solution and round to two decimals at the end)