Derby Company has sales of $300,000 and profit margin of 9%. It pays $18,000 as dividends. Its assets total $200,000 and total equity is $120,000. Calculate its sustainable growth rate.

A firm with annual sales of $450 million cut its average collection period from 60 days to 45 days. By how much is the accounts receivable balance change? Indicate decrease by negative and write answer in millions of dollars.