Mr$.$ Deneau accumulated $$110,000$ in an RRSP$.$ He converted the RRSP into a RRIF and started to withdraw $$1600$ at

the end of every month from the fund. If interest is $9\mathrm{.}85\%$ compounded quarterly, for how long can Mr$.$ Deneau

make withdrawals? State your answer in years and months $($from $0$ to $11$ months$).$

He can make withdrawals for

year$($s$)$ and

month$($s$).$