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 $$13,400$ balance from your

current credit card, which charges an annual rate of $21\mathrm{.}2$ percent, to a new credit card

charging a rate of $11\mathrm{.}8$ percent.

a$.$ How much faster could you pay the loan off by making your planned monthly

payments of $$295$ 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? $($Do not

round intermediate calculations and round your answer to $2$ decimal places, e$.$g$.,$

$32\mathrm{.}16.)$