Fitzgerald, Incorporated, currently has an all$-$cash credit policy. It is considering making a change in the credit policy by going to terms of net $30$ days. The required return is $\mathrm{.}58$ percent per month.

$\backslash$table$[[,\backslash$table$[[$Current$],[$Policy$]],$New$],[$Policy$,,]]$

Calculate the NPV of the decision to change credit policies. $($A negative answer should be indicated by a minus sign. Do not round intermediate calculations and round your answer to $2$ decimal places, e$.$g$.,32\mathrm{.}16.)$