Suppose that you and your friend both need to borrow the same amount of money.

You borrow money from Bank A, which offers loans at an annual interest rate of 4% with continuous compounding.

Your friend borrows money from Bank B, which offers loans an annual interest rate of 5.6% with monthly compounding.

If both loans have the same future value and the term of your loan is 101 months, what is the term of your friend's loan (in months)?