(8 pts) 5. Riley Corp. purchases $5,000,000 worth of materials each month on credit terms of 3/12, n/40. Riley always pays on day 40, never taking the discount. Riley does this because they do not collect from customers until the end of the month. Riley could borrow money from a bank at a rate of 15%. Explain through computations why this might not be a good strategy. Show computations