Given the following cost expenditures for a small building, calculate the peak financial requirement, and the average overdraft. Assume: Markup = 15% Retainage = 10% throughout project Finance charge - 1.2% month Payments are billed at end of month and received one month later. Month 1 Month 2 Month 3 Direct costs $85,000 $90,000 $75,000 Indirect costs $25,000 $19,000 $12,000