Bank of America is evaluating upgrading the Al system it uses to check online deposit checks (Phone deposits) so they feel more comfortable taking deposits of large checks $25,000-$250,000. The system has a fair amount of complexity and will cost $3,000,000 to develop up front plus $100,000 per year to maintain the cyber security system. In years 3,6, and 9, the company policy requires them to spend $25,000 to hire an external auditor to verify that nothing has gone wrong. If it currently costs them $0.50 to process a large check transaction and in the future would only cost $0.05 to process a large check transaction, how many transactions do they need to move to online for this to be cost effective over the 10 year life and their 20% MARR