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4 years is equal to 48 months (4 years x 12 months/year = 48 months). Adding the additional 3 months gives a total of 51 months (48 months + 3 months = 51 months).
There are 66 months in 5 years and 6 months.
4 years, 11 months = 59 months 59 months x 85% = 50.15 months = 4 years, 2 months, 4.5 days
12 months = 1 year therefore 28 months = 2 years 4 months.
85% of 13 months is 11.05 months