Your parents have a credit card with a balance of $3,287.90 at an interest rate of 14.5% APR. They pay $1,200.00 each month on the due date until the card is paid off. How many months does it take to pay off the card, and what is the total amount paid including interest?

Be sure to include in your response:
• the answer to the original question
• the mathematical steps for solving the problem demonstrating mathematical reasoning