The Fast Reader Company supplies bulletin board services to numerous hotel chains nationwide. The owner of the firm is investigating the benefit of employing a billing firm to do her billing and collections. Because the billing firm specializes in these services, collection float will be reduced by 17 days. Average daily collections are $1300, and the owner can earn 7% annually (expressed as an APR with monthly compounding) on her investments. If the billing firm charges $325 per month, should the owner employ the billing firm?