Happy Times 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 .95 percent per month. Price per unit Cost per unit Unit sales per month Current Policy S 295 $ 230 1,105 New Policy 302 $ 234 1,125 Calculate the NPV of the decision to change credit policies. (Do not round intermediate calculations and round your final answer to 2 decimal places. (e.g., 32.16)) NPV