BGSAC is evaluating changing its current sales policy to another one because it wants to increase sales by 15%. The company's quarterly opportunity cost is 5%.

- Current Situation:

Credit Sales: S/ 2,000,000

Probability of default: 5%.

Cost of Sales: 60%.

Sales Condition: 4/20 net 40. 65% of customers do not take the discount.

- Proposed Situation:

Credit Sales: 15% more

Probability of non-compliance: 7%.

Cost of Sales: 60%.

Sales Condition: 5/25 net 50. 70% are expected to take the discount.

Determine which of the above policies is advisable for the company.