The Fast Reader Company supplies bulletin board services to numerous hotel chains nationwide. The owner of the firm is investigating the benefit 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 22 days. Average daily collections are $1,350, and the owner can earn8% annually (expressed as an APR with monthly compounding) on her investments. If the billing firm charges $375 per month, should the owner employ the billing firm?