Builders Circle, a hardware and building supplies company, processes all its customer credit card payments at its Atlanta headquarters. A Boston bank has offered to process the payments from Builders Circle customers located in the New England region for $50,000 per year plus $0.20 per payment. No compensating balance will be required. Under this lockbox arrangement, the average mailing time for payments would be reduced from 3 days to 1.5 days. Check processing and clearing time would be reduced from 5 days to