A firm in a competitive industry institutes a change in credit policy that allows buyers more advantageous terms than before and drops its prices by 5 percent. Unless _____, the change will almost certainly be a negative NPV investment.

		a. sales quantity remains constant
		b. most of the seller's costs are variable costs
		c. the seller is planning to offer a cash discount
		d. sales increase
		e.customers actually take advantage of the new terms