4. In anticipation of an increase in sales for the coming peak season, Manila Care inc. needs to increase its working capital for receivables and inventory by P740,000. The following altenatives are available: a. Issue a commercial paper at 13% p.a. less 2% service charge. b. Discount a 180-day note for 14%. c. Avail a bank loan at 12% p.a. with a 20% required compensating balance. d. Delay credit payment to the supplier's term of 2/10,n/45 or simply forego the discount