You just received your Citibank Mastercard bill and you owe $3,078.64. Your minimum payment is $57 and is due in one month. Citibank charges 14.40% interest and compounds it monthly. You decide not to charge any more purchases on this account until it is fully paid off. a. How many months will it take to pay this balance off entirely? b. How much interest would you pay if you only make the minimum payments until the account was completely paid off