A financial analyst is calculating the weighted average life (WAL) of the loans in an MBS pool. The initial notional value outstanding of the MBS pool is USD 50 million. The payment schedule and the assumed pool factor for the MBS are provided in the table below:

Coupon payment date	Dates	Actual days	Pool factor	Principal payment (USD million)
0	November 21, 2023	66	1.00	--
1	January 26, 2024	181	0.76	12
2	July 26, 2024	184	0.54	11
3	January 26, 2025	183	0.38	8
4	July 25, 2025	182	0.26	6
5	January 24, 2026	183	0.18	4
6	July 25, 2026	--	--	9

Assuming coupon payments are made semi-annually and there are 365 days in a year, what is the WAL of the MBS pool?