The Fast Reader Company supplies bulletin board services to numerous hotel chains nationwide. The owner of the firm is investigating the desirability of employing a billing firm to do her billing and collections. Because the billing firm specializes in these services, collection float will be reduced by 20 days. Average daily collections are $10,000, and the owner can earn 10% annually (expressed as an APR with monthly compounding) on her investments. If the billing firm charges $400 per month, should the owner employ the billing firm? Answer: Assuming the billing firm can reduce the collection float immediately, as soon as Fast Reader starts the service they will receive \$ . (Round to the nearest dollar.) The present value of the billing firm's charges is $ . (Round to the nearest dollar.) Fast Reader (answer either "should" or "should not") employ the billing firm