a) Calculate the monthly growth rate of sales that can be sustained by a firm without access to external capital, a 20\% gross margin (Cost of Goods Sold =80% of revenue) and the following working capital policies: all expenses paid upfront, 60% of revenues collected this month, the balance in 1 month, 3 months of inventory is kept on hand. b) Your firm maintains a line of credit (no standby fee) on which it pays monthly interest of 0.45%. If your suppliers offer you a 1% discount for payment within 20 days (their usual terms are net 60), should you take the trade credit or finance your purchases with the line of credit