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 .8 percent per month. Current Policy New Policy Price per unit $ 195 $ 199 Cost per unit $ 149 $ 153 Unit sales per month 1,440 1,480 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., 32.16.)