Your Christmas ski vacation was great, but it unfortunately ran a bit over budget. The good news is that you just received an offer in the mail to transfer your $9,000 balance from your current credit card, which charges an annual rate of 18.6 percent, to a new credit card charging a rate of 8.2 percent. How much faster could you pay the loan off by making your planned monthly payments of $200 with the new card? What if there was a 2 percent fee charged on any balances transferred?

Please show all work, thanks!