18. A company is considering a lockbox system that will reduce the collection time by 2 days on average. The company can earn an APR of 2.84% compounded daily on any cash balance. The average number of daily payments submitted to the lockbox is 2,158 with an average cheque size of $50. If the processing fee per cheque is $0.01, what is the NPV of adopting this lockbox? (Assume 365 days in one year.)