James just won the Georgia State lottery prize of $30,000,000. he has decided to take a lump sum payment, even though taxes will reduce his prize by 45%. James feels safer with his money in a bank, where he will receive an annual return of 0.95%, and where he will have ready access to cash when he needs it. If he withdraws $100,000 at the end of each month, approximately how long will it be until his lottery winnings are exhausted?

		14 years
		15 years
		13 years
		16 years