Your cousin Ray borrows $1600 now, repays $800 in two years, and then borrows $1100 in another three years, all at nominal rates of interest of 11% convertible quarterly. At the same interest rate, t years from now, your other cousin Jay borrows $1900. If the present value of each of your cousin's debts is the same, what is t? (Assume compound interest at all times.)

Answer = years. (Round your answer to four places after the decimal.)