M company has two divisions evaluated as profit centers: Retail and Commercial. Operating results in the Retail division have worsened in recent year, and for 2022 the division is expecting a significant loss. Divisional estimated income statements for 2022 are below: We are considering shutting down the Retail division. If the Retail division is shut down, we expect to continue to incur $485,000 of the divisional fixed expenses (these are corporate-level fixed expenses allocated to the division and are not avoidable). Also, if we shut down the Retail division, some of that divisions customers are expected to switch their orders to our Commercial division: if we shut down Retail, we expect the Commercial divisions sales to increase by 10%. What would be the effect on M companys 2022 net operating income (NOI) if we shut down the Retail division? (Provide both the dollar amount and whether NOI would increase or decrease.)