Fergus's Fine Furniture currently doesn't lend to anyone without the highest credit score. It's current sales are $1,000,000 a year. Lowering its requirements would: Increase sales by $114,596 which will have an average collection period of 37 days. Involve an additional $60,057 of inventory Expected bad-debt losses for this new group are 6% Variable costs are 25% and the pretax required rate of return is 12%. What is Fergus's net change in pretax profits? Include a negative sign if it is negative