Oppenheimer Bank is offering a 30-year mortgage with an APR of 4.75% based on monthly compounding. With this mortgage your monthly payments would be $1,972 per month. In addition, Opperheimer Bank offers you the following deal: Instead of making the monthly payment of $1,972 every month, you can make half the payment every two weeks (so that you will make 52/2=26 payments per year). With this plan, how long will it take to pay off the mortgage in the EAR of the loan is unchanged?

The number of payments will be ___, which is approximately ____years. (Round to two decimal plaves and enter the years rounded to the nearest whole number.)