You plan to save money for a down payment of $39,000 to purchase an apartment. You can only afford to save $1,250 at the end of every quarter into an account that earns interest at 4.66% compounded annually. How long will it take you to save the planned amount? (Question relates to: Annuities - Future and Present Value Calculations for Ordinary Simple and General Annuity)

_______________years __________________months

Express the answer in years and months, rounded to the next payment period