Mr$.$ Deneau accumulated $$95,000$ in an RRSP$.$ He converted the RRSP into a RRIF and started to withdraw $$5400$ at

the end of every three months from the fund. If interest is $4\mathrm{.}75\%$ 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$).$