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 2% with continuous compounding.
• Your friend borrows money from Bank B, which offers loans an annual interest rate of 3% with monthly compounding.

If both loans have the same future value and the term of your loan is 103 months, what is the term of your friend's loan (in months)?

Round your answer to the nearest month.