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20. A supplier offers credit terms of 1/25 net 40. The firm may borrow money at a 25% APR compounded continuously. On what day should the firm pay the supplier? (Hint: effective trade credit = (1 + intrest rate over subperiod)"os subperiods in 1 year - 1. The subperiod here refers to the period beyond discount period. The length of the subperiod is the number of the days beyond discount period.)