A firm collects 70 percent of its monthly sales immediately and the rest a month later: its production costs are 85 percent of sales, and it holds 2 months of sales in inventory. It pays 30 percent of its bills immediately and the remainder after 30 days. What happens to this rate if it increases its inventory to 3 months' sales and offers more lenient credit terms that result in only 40 percent of its sales being for cash, with the remainder being collected after 30 days? (Round answer to 2 decimal places, eg. 15.75.) Break-even sales growth rate