Tobin Fisheries currently sells to its customers on terms of 2/10, net 30. Its average collection period is 15 days, with 80 percent currently taking the discount. All sales are credit sales. Upper management has expressed concern about sluggish sales, and the marketing department would like a more attractive credit package. Next years sales are projected to be $3.1 million. It has been estimated that with terms of 3/10, net 60, sales next year would jump to $4.2 million and 60 percent of sales would take the discount, but the average collection period would increase to 34 days. Tobins contribution margin of 5.5 percent would hold with the expansion of sales, as would its short-term financing cost of 10 percent. Should Tobin initiate the change in credit policy?