The annual percentage rate (APR) on your credit card is 24% and your bank uses monthly compounding. During the first week of school, you racked up $1,000 in credit card debt. You do not have access to a cheaper source of financing, and you definitely do not want to tell your parents, so you decided that you will pay it all back in $100 equal monthly installments. Your first payment is due one month from today. How long will it take you to bring your credit card balance to zero?