XYZ Corporation is investigating a lockbox system to reduce its collection time. It has determined that on average, there are 700 payments with an average value of $425 each. If a lockbox system is implemented, the lockbox fee per transaction will be $0.20. If the collection time can be reduced by 3 days, and the daily interest on money market securities is 0.02%, then should XYZ implement the lockbox? Why?