Lim Auto Parts, a family-owned auto parts store, began January with \(\$ 10,500\) cash. Management forecasts that collections from credit customers will be \(\$ 11,000\) in January and \(\$ 15,000\) in February. The store is scheduled to receive \(\$ 6,000\) cash on a business note receivable in January. Projected cash payments include inventory purchases \((\$ 13,000\) in January and \(\$ 13,900\) in February) and operating expenses ( \(\$ 3,000\) each month).

Lim Auto Parts' bank requires a \(\$ 10,000\) minimum balance in the store's checking account. At the end of any month when the account balance dips below \(\$ 10,000\), the bank automatically extends credit to the store in multiples of \(\$ 1,000\). Lim Auto Parts borrows as little as possible and pays back loans in quarterly installments of \(\$ 2,000\), plus \(4 \%\) interest on the entire unpaid principal. The first payment occurs three months after the loan.

Requirements 

1. Prepare Lim Auto Parts' cash budget for January and February. 

2. How much cash will Lim Auto Parts borrow in February if collections from customers that month total \(\$ 13,500\) instead of \(\$ 15,000\)?