ABC Firm is a specialty retail firm that sells only one product. It prepares a rolling budget for the upcoming three months. At the end of October, the cash budget contained the following summary information:

	November	December	January
Cash Available	76,000	58,000	73,000
Total Cash Payments	89,700	44,000	66,000
Cash Over or Short	(13,700)	14,000	7,000

You may assume that all the numbers currently included are correctly computed. The firm has a policy of maintaining a minimum cash balance of $5,000. At the end of October, a loan of $10,000 was outstanding. The loan carries an interest rate of 3%. Interest payments must be made each month based on the balance outstanding at the end of the prior month.

How much, if any, will the firm budget to borrow in November?