Twelve years ago, Mr$.$ Lawton rolled a $$37,000$ retiring allowance into an RRSP that subsequently earned $12\mathrm{.}0\%$ compounded semiannually. Four years ago he transferred the funds to an RRIF. Since then, he has been withdrawing $$3000$ at the end of each quarter. If the RRIF earns $10\mathrm{.}0\%$ compounded quarterly, how much longer can the withdrawals continue? $($Do not round intermediate calculations and round up the number of payments, n$,$ to the next whole number.$)$years andmonths.