Suppose a lender gives someone a choice between the following two 15-year mortgages of $175,000. Mortgage A: 6.6% interest compounded monthly, four points, monthly payment of $1534.07 Mortgage B: 7.2% interest compounded monthly, two points, monthly payment of $1592.58 Assuming that you can invest money at 2.4% compounded monthly, determine the length of time you must retain the mortgage in order for mortgage A to be the better choice. months. Mortgage A will be the better choice if the loan is retained for at least (Round to the nearest hundredth as needed.)