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anonymous /problem set one.

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This is a code that won't let me use 'b'. I can't figure out where the syntax error is.
outbal= float(raw_input('enter the outstanding balance on your credit card:'))
annualrate= float(round(raw_input('Enter the annual credit card interest rate as a decimal:')), 2)
monthlyrate= round(annualrate/year, 2)
x = 1
while y > 0:
while month <= 12:
a = round(float(((annualrate /12)*outbal)+outbal, 2)
y = round(float(a - x10))
print "Outbal minus payment equals:" d
if y >= 0:
month = month + 1
outbal = y
if y > 0:
x = x + 1
if y <= 0
print 'Monthly payment to pay off debt in 1 year:', a
print 'number of months needed:', month
print 'Balance:' b
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