Number of payments. Tony is offering two repayment plans to Phil for a long overdue loan. ONler 1 is to receive a visit from an enforcer and the debt is due in full at once. Offer 2 is to pay back $4,200 at the end of the year at an intorest rate of 19% unti Phil pays off the loan principal. Phil owes Tony $10,000. How long will it take for Phil to pay of the loan if he takes oter 2 ? How long will it take for Phil to pay off the loan if he takes offer 2 ? years (Round to two decimal places.)