Number of payments. Tony is offering two repayment plans to Phil for a long overdue loan. Offer 1 is to receive a visit from an enforcer and the debt is due in full at once. Offer 2 is to pay back $3,900 at the end of the year at an interest rate of 18% until Phil pays off the loan principal. Phil owes Tony $13,000. How long will it take for Phil to pay off the loan if he takes offer 2? How long will it take for Phil to pay off the loan if he takes offer 2? | years (Round to two decimal places.)