A company calculates the following cash inflows and outflows for its January Cash Budget: Beginning Cash Balance $20,000 Cash Collections $590,000 Cash Available $610,000 Disbursements: Raw Materials $300,000 Direct Labor $150,000 Manufacturing Overhead $50,000 Selling, General and Admin expenses $113,000 Total Disbursements $613,000 At the beginning of January, the company has no outstanding debt. If this company wants to always have at least $14,000 of cash on hand at the beginning of each month, how much do they need to borrow during for the month of January