Lush Gardens Co$.$ bought a new truck for $$56,000.$ It paid $$5,600$ of this amount as a

down payment and financed the balance at $5\mathrm{.}50\%$ compounded semi$-$annually. If the

company makes payments of $$2,000$ at the end of every month, how long will it take to

settle the loan?

years months

Express the answer in years and months, rounded to the next payment period