Simon recently received a credit card with an 12% nominal interest rate. With the card, he purchased a new stereo for $460.00. The minimum payment on the card is only $20 per month. a. If he makes the minimum monthly payment and makes no other charges, how many months before he pays off the card? Round to the nearest month. b. If he makes monthly payments of $60, how many months before he pays off the debt? Round to the nearest month. c. How much more in total payments will he make under the $20-a-month plan than under the $60-a-month plan. Make sure to use 3 decimal places for N. Round your answer to the nearest cent.