Pharma Drug Store is a pharmacy in Portland, Maine, owned by Jane Smith, a local pharmacist. Pharma business has been good, but Ms$.$ Smith finds that she frequently runs out of cash. To date, she has dealt with this cash shortfall by delaying payment to the drug suppliers, which is starting to cause problems. Instead of delaying payment, Ms$.$ Smith has decided that she should borrow from the bank to have cash ready when needed. To have an estimate of how much she must borrow over the next three months, she must prepare a cash budget.

All of Pharma's sales are made on a cash basis, but drug purchases must be paid for during the following month. Ms$.$ Smith pays herself a salary of $$4,800$ per month, the rent on her store is $$2,000$ per month, and a $$12,000$ payment for taxes is due in December. On December $1,$ there is $$400$ cash on hand, but Ms$.$ Smith wants to maintain a target cash balance of $$6,000.$ Pharma's estimated sales are $$160,000$ for December, $$40,000$ for January, and $$60,000$ for February. Estimated drug purchases are $$140,000$ for November, $$40,000$ for December, $$40,000$ for January, and $$40,000$ for February.

Prepare a cash budget for December, January, and February and find the cumulative surplus cash $/$ loan balance at the end of February. $($Ignore any interest costs; i$.$e$.,$ assume the borrowing interest rate equals $0\%.)$what is the maximum amount Jane Smith will need to borrow from the bank in order to maintain her target cash balance during the months of December, January, and February? Write the loan amount as a positive answer. $($Ignore any interest costs; i$.$e$.,$ assume the borrowing interest rate equals $0\%.)$