At the beginning of this year, a firm had $30M in cash, $20M in accounts receivable, $45M in inventory and $10M in taxes payable. Going forward, the firm plans to finance some of its inventory with trade credit. Therefore, at the end of this year, the firm anticipates needing just $10M in cash but $40M in accounts payable and $60M in inventory. Going forward again, the firm plans to use just-in-time inventory management rather than trade credit to reduce its cost of stocking inventory. Therefore, at the end of next year, it anticipates needing only $5M in inventory and $0 in accounts payable but $15M in cash. (Assume that taxes payable and accounts receivable will not be affected by these changes.) What are the firm's CFWC projections at the end of this and next year?