(Nonannual compounding using a calculator) Dennis Rodman has a $4000 debt balance on his Visa card that charges an APR of 12.6 percent compounded monthly. Dennis's current minimum monthly payment is 5 percent of his debt balance, $200. How many months (round up) will it take Dennis to pay off his credit card if he pays the current minimum payment of $200 at the end of each month? How many months will it take Dennis to pay off his credit