Mr. Deneau accumulated $84,000 in an RRSP. He converted the RRSP into a RRIF and started to withdraw \$3300 at the end of every three months from the fund. If interest is 4.7% compounded semi-annually, 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)