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Todd Foley is applying for a $133,000 mortgage. He can get a $821 monthly payment for principal and interest and no points, or a $711

Todd Foley is applying for a $133,000 mortgage. He can get a $821 monthly payment for principal and interest and no points, or a $711 monthly payment with 2.325 points. Approximately, how many months will it take Todd to cover to cost of the discount points if he takes the lower monthly payment? (Round your answer to the nearest whole month.)

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