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Ruben bought a boat valued at $16,500 on the installment plan requiring a 12% down payment, and equal monthly payments of $255. If Ruben took

Ruben bought a boat valued at $16,500 on the installment plan requiring a 12% down payment, and equal monthly payments of $255. If Ruben took out a loan for the amount need after the down payment, at 4.65% compounded quarterly, how long would it take Ruben to pay off the loan? (Give your answer in years and months)

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