Brown Corp has a customer who wants to purchase 50000 goods on credit. The company estimates that the customer has a 95% probability of paying the 50000 in two months and a 5% probability of complete default (no cash payment). Brown assumes an investment of 85% of the goods sold amount made at the time of the sale and a required rate of return of 10% APY. What is the NPV of extending the customer credit? (in dollars)