(Nonannual compounding using a calculator) Dennis Rodman has a $4,000 debt balance on his Visa card that charges an APR of 12.2 percent compounded monthly. Dennis's current minimum monthly payment is 3 percent of his debt balance, $120. How many months (round up) will it take Dennis to pay off his credit card if he pays the current miminum payment of $120at the end of each month?