Oppenheimer Bank is offering a 30-year mortgage with an APR of 5.22% based on monthly compounding. With this mortgage your monthly payments would be $1,974 per month. In addition, Oppenheimer Bank offers you the following deal: Instead of making the monthly payment of $1,974 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 if the EAR of the loan is unchanged? The number of payments will be which is approximately years. (Round to two decimal places and enter the years rounded to the nearest whole number.)