The contractor's construction expenses and the owner's payments for a construction project in the contract agreement are shown below. The contractor has established a line of credit from the bank at a monthly interest rate of 1%, and the contractor is allowed to borrow the shortfalls between expense and receipt at the end of each month but must deposit any excess of net operating cash flow to reduce the loan amount. The owner retains 10% of all validated progress payment claims until one-half of the contract value has been built and approved as an incentive for the contractor to complete the contract. The progress payments will be billed at the end of each month. The owner will transfer the billed amount minus any retention to the contractor's account a month later. 1) (9 points) Determine the cumulative (monthly) net cash flow, including due to overdraft. Use Table provided below to answer this question. 2) (1 point) Determine the contractor's gross profit