Company has decided to offer credit to its customers during the spring selling season. Sales are expected to be 10,000 softwares. The average cost to the firm of a software is $5,000. The owner knows that only 87 percent of the customers will be able to make the payments. To identify the remaining 13 percent, the firm is considering subscribing to a credit agency. The initial charge for the service is $1,050, with an additional charge of $20 per individual report. Should the firm subscribe to the agency? Shows all the step and formula. Don't round off until you get the answer.