Mary's credit card situation is out of control because she cannot afford to make her monthly payments. She has three credit cards with the following loan balances and APRs: Card 1. $5,000, 19%; Card 2, $5,800. 23%; and Card 3. S3, 100, 17%. Interest compounds monthly on all loan balances. A credit card loan consolidation company has captured Mary's attention by stating they can save Mary 22% per month on her credit card payments. This company charges 16.5% APR. Is the company's dam correct? Assume a 10-year repayment period. Mary's current minimum monthly payments are SRound to the nearest cent.)