Silver oak has annual sales of Rs$.24$ lakhs. The selling price per unit is Rs$.10$ and variable cost is $70\%$ of the selling price. The required rate of return on investment is $20\%,$ average cost is Rs$.9$ per unit, annual collection expenditure is Rs$.50,000$ and percentage of default is $3\%,$ credit terms $2$ months. Solver Oak is considering the change in credit policy by following programme A or programme B$.$Prog AProg B$\mathrm{.}11\mathrm{.}5$Average collection period$75,000$Annual collection expensesPercentage default$2\%1,50,0001\%$Determine which collection programme should be followed by the company.