Suppose you currently have a credit card with a balance of $15,000 dollars and a stated interest rate of 18.00% APY. You find out that you just got a raise at work. As such, you can now afford to pay $400 per month to the credit card company. How long will it take you to pay off your credit card assuming payments are made at the beginning of the month? Provide your answer as the number of years rounded to two decimals places (e.g. 1.23)