The amount of $800 is invested quarterly at 3.9% compounded semi-annually for 8 years. The balance in the fund is then converted into an annuity paying $320 at the end of every month. If the interest on the annuity is 3.0% compounded annually, what is the term of the annuity? (The correct answers, rounded, is 106 months. Please show a way to get to that answer.)