Ima Spender owes $1,000 on her credit card. The credit card company charges 21% annual interest and requires a minimum monthly payment of $19.99. a) If Ima pays the minimum payment each month and no additional purchases are made, how long will it be until she pays off her credit card? (Do not interpolate the tables; use the nearest figure given.) b) How much is she actually paying the credit card company, including interest, when her credit card is paid off?