June Inc. is working on its cash budget for March. The budgeted beginning cash balance is $15,000. Budgeted cash receipts total $144,000 and budgeted cash disbursements total $151,000. The desired ending cash balance is $20,000. To attain its desired ending cash balance for March, the company needs to borrow: $28,000 $12,000 $13,000 $0 (does not need to borrow)