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)