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You expect to receive $28,000 at graduation in two years. You plan on investing it at 9.75 percent until you have $163,000. How long will

You expect to receive $28,000 at graduation in two years. You plan on investing it at 9.75 percent until you have $163,000.
How long will you wait from now? (Do not round intermediate calculations. Round your answer to 2 decimal places, e.g., 32.16.)

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