Your credit card has a balance of $4500 and an annual interest rate of 19%. You decide to pay off the balance over three years. If there are no further purchases charged to the card, you must pay $164.98 each month, and you will pay a total in$1439 28. Assume you decide to pay off the balance over one year rather than three. How much more must you pay each month and how much less will you pay in total interest?