Mr. Scrooge has a sum of money 'P' that he wants to invest. Before he does, he wants to know how many years 'Y' this sum 'P' has to be kept in the bank in order for it to amount to a desired sum of money 'D'.

The sum is kept for 'Y' years in the bank where interest 'I' is paid yearly. After paying taxes 'T' for the year the new sum is re-invested.

Note to Tax: not the invested principal is taxed, but only the year's accrued interest

Example:

      Let P be the Principal = 1000.00      
      Let I be the Interest Rate = 0.05      
      Let T be the Tax Rate = 0.18      
      Let D be the Desired Sum = 1100.00


    After 1st Year -->
      P = 1041.00
    After 2nd Year -->
      P = 1083.86
    After 3rd Year -->
      P = 1128.30
  
Thus Mr. Scrooge has to wait for 3 years for the initial principal to amount to the desired sum.
 
Your task is to complete the method provided and return the number of years 'Y' as a whole in order for Mr. Scrooge to get the desired sum.  

Assumption: Assume that Desired Principal 'D' is always greater than the initial principal. However it is best to take into consideration that if Desired Principal 'D' is equal to Principal 'P' this should return 0 Years.

```python

USER_FILENAME = "<user_code>"
import sys, json, builtins
import math, heapq, bisect, itertools, functools, collections, statistics, fractions, decimal, operator, array, random, re, string, os, pathlib
try:
    import resource as _res
except Exception:
    _res = None
from collections import Counter, defaultdict, deque, OrderedDict
from functools import lru_cache, reduce
from itertools import accumulate, permutations, combinations, product
from math import gcd, ceil, floor, sqrt
from decimal import Decimal
try:
    from typing import *
except Exception:
    pass
try:
    sys.setrecursionlimit(1_000_000)
except Exception:
    pass
try:
    import site as _site
    try:
        _sys_sites = _site.getsitepackages() if hasattr(_site, "getsitepackages") else []
        for _p in _sys_sites:
            if _p and _p not in sys.path:
                sys.path.append(_p)
    except Exception:
        pass
    try:
        _usp = _site.getusersitepackages()
        if isinstance(_usp, str):
            _usp = [_usp]
        for _p in _usp:
            if _p and _p not in sys.path:
                sys.path.append(_p)
    except Exception:
        pass
except Exception:
    pass

def _disabled_input(*args, **kwargs):
    raise RuntimeError("input() is disabled in callable mode")
builtins.input = _disabled_input

ns = {"__name__": "__judge__"}  # prevent if __name__ == "__main__" blocks
for _k, _v in list(globals().items()):
    if not _k.startswith("_"):
        ns[_k] = _v
_CODE = 'from math import ceil, log\n\ndef calculate_years(principal, interest, tax, desired):\n    if principal >= desired: return 0\n    \n    return ceil(log(float(desired) / principal, 1 + interest * (1 - tax)))\n'
_co = compile(_CODE, USER_FILENAME, "exec")
exec(_co, ns, ns)

_target = None
_fn_name = 'calculate_years'
if _fn_name:
    if "Solution" in ns:
        try:
            _obj = ns["Solution"]()
            if hasattr(_obj, _fn_name):
                _target = getattr(_obj, _fn_name)
        except Exception:
            _target = None
    if _target is None and _fn_name in ns and callable(ns[_fn_name]):
        _target = ns[_fn_name]
# Fallback: if there's exactly one user-defined function, use it
if _target is None:
    _cands = [v for k, v in ns.items() if callable(v) and getattr(v, "__module__", "") in ("__judge__", "__main__")]
    _user_funcs = [c for c in _cands if getattr(c, "__name__", "").startswith("_") is False]
    if len(_user_funcs) == 1:
        _target = _user_funcs[0]
if _target is None:
    raise RuntimeError(f"Could not resolve callable '{_fn_name}'")

_raw = sys.stdin.read().strip()
if _raw:
    _parsed = json.loads(_raw)
    if isinstance(_parsed, dict):
        _kwargs = _parsed.get("kwargs", {})
        _args = _parsed.get("args", [])
    else:
        _args, _kwargs = _parsed, {}
else:
    _args, _kwargs = [], {}
if not isinstance(_args, (list, tuple)):
    _args = [_args]
_res = _target(*_args, **_kwargs)
try:
    sys.stdout.write(repr(_res) + "\n")
except Exception:
    pass

```

Measured memory_bytes: 5578