Carla wants to start a college fund for her daughter Lila. She puts $63,000 into an account that grows at a rate of 2.55% per year, compounded monthly. Write a function, C(t), that represents the amount of money in the account t years after the account is opened, given that no more money is deposited into or withdrawn from the account. Calculate algebraically the number of years it will take for the account to reach $100,000, to the nearest hundredth of a year.