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