The activity on Morgan's VISA card account for one billing periods is shown below. Find the average daily balance and the finance charge if the billing period is October $8$ to November $7,$ the previous balance was $$554\mathrm{.}14,$ and the annual interest rate is $20\mathrm{.}75\%.$

October $13$ payment $ $130\mathrm{.}00$

October $18$ groceries $ $126\mathrm{.}08$

November $3$ restaurant $ $56\mathrm{.}51$

Average Daily Balance