Your client has been given a trust fund valued at $1.63 million. She cannot access the money until she turns 65 years old, which is in 20 years. At that time, she can withdraw $18,500 per month.

If the trust fund is invested at a 3.5 percent rate, how many months will it last your client once she starts to withdraw the money? (Do not round intermediate calculations and round your final answer to 2 decimal places.)