The Horizons S&P/TSX Capped Energy Indexed fund was tumbling by 16.5% (per annum) such that: A(t) = A0 (10.165) 12t Where Ao is the (unknown) initially invested amount and t is the time of investment in years. Anticipating the falling trend to last much longer, a skeptical investor decides to withdraw completely should the initial investment drop by a quarter. Determine how long this investor should wait before implementing his investment plan? (Round to the nearest two decimal)