The attached article titled "China's Foreign-Exchange Reserves Drop Below $3 Trillion, Near Six-Year Low" states the international reserves held by China's central bank decreased by $12.3 billion in January.According to one of the charts, reserves decreased at an average monthly rate of $33 billion over the past 2.5 years' so the outflow slowed.If the bank can earn an annual return of 1.50% on its reserves and reserves continue to decrease at a monthly rate of $12.3 billion, how many months and years will it be until the reserves are down to $1 trillion?