Simon recently received a credit card with an 18% nominal interest rate. With the card, he purchased an Apple iPhone 11 for $700. The minimum payment on the card is $20 per month. If Simon makes monthly payments of $70, how many months will it be before he pays off the debt? How much more in total payments will Simon make under the $20-a-month plan than under the $70-a-month plan? Make sure you use three decimal places for N.