9-6 Suppose a firm makes the following policy changes listed. If a change means that external, nonspontaneous financial requirements (AFN) will increase, indicate this by a (+); indicate a decrease by a (-); and indicate no effect or an indeterminate effect by a (0). Think in terms of the immediate effect on funds requirements. a. The dividend payout ratio is increased. b. The firm decides to pay all suppliers on delivery rather than after a 30-day delay in order to take advantage of discounts for rapid payment. c. The firm begins to offer credit to its customers, whereas previously all sales had been on a cash basis. d. The firm's profit margin is eroded by increased competition, although sales hold steady