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Sam and Randy each take out a loan for $9,927. Sam's loan has an annual rate of 16.4% with semi-annual compounding (twice per year).

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Sam and Randy each take out a loan for $9,927. Sam's loan has an annual rate of 16.4% with semi-annual compounding (twice per year). Randy's loan has the same annual rate, but it uses continuous compounding. How many months does Randy need to wait in order to have the same debt that Sam will have after 82 months?

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