Mr$.$ Deneau accumulated $$98000$ in an RRSP$.$ He converted the RRSP into a RRIF and started to withdraw $$5400$ at the end of every three months from the fund. If interest is $4\mathrm{.}1\%$ compounded annually, for how long can Mr$.$ Deneau make withdrawals? State your answer in years and months $($from $0$ to $11$ months$).$