Your Christmas ski vacation was great, but it unfortunately ran a bit over budget. All is not lost: You just received an offer in the mail to transfer your $$14,000$ balance from your current credit card, which charges an annual rate of $21\mathrm{.}8$ percent, to a new credit card charging a rate of $12\mathrm{.}4$ percent.

a$.$

How much faster could you pay the loan off by making your planned monthly payments of $$325$ with the new card? $($Do not round intermediate calculations and round your answer to $2$ decimal places, e$.$g$.,32\mathrm{.}16.)$

b$.$ What if there was a fee of $1$ percent charged on any balances transferred?