You have $11,500 that you can invest in a savings account that earns 12.0% interest, compounded annually. If you want to withdraw at least $19,500 at some point in the future, how long will you need to keep the money invested? ( Future Value of $1, Present Value of $1, Future Value Annuity of $1, Present Value Annuity of \$1.) (Use appropriate factor from the PV tables. Round your final answer to nearest dollar amount.)