An organization's credit policy is "1.5/10, net 35." If 30% of their clients presently accept discount and 62% are able to pay within the net period while the rest pay within 45 days after invoicing them, what would be their receivables had all the clients accepted cash discounts?

a) It would be lower than their present level.

b) There would be no change from the present level.

c) They would realize what's higher than the present level.

d) They would be unable to determine since the information is little.