Natalie must borrow $$647$ from the bank to pay her phone bill. She plans to repay this loan by making monthly payments to the bank of $$47\mathrm{.}85$ per month if the annual interest rate on the loan is $10\mathrm{.}79\%$ and she makes her first $$47\mathrm{.}85$ payment in one month from today then how many payments must Natalie make?