The treasurer of Westmark Industrial, Inc., a wholesale distributor of household appliances, wants to estimate his company's cash balances for the first three months of $2022.$ Using the following information, construct a monthly cash budget for Westmark for January through March $2022.$ Westmark's sales are $20$ percent for cash, with the rest on $30-$day credit terms. Its purchases are all on $60-$day credit terms. Does it appear from your results that the treasurer should be concerned about investing exce cash or looking for a bank loan?