You are asked to calculate the impact of the following change in a firm's net working capital policy: The firm is expected to have $$3\mathrm{.}5$ million invested in net working capital next year and this is expected to grow at $3\%$ per year after that. If the growth is expected to increase to $4\%,$ how would that affect the value of the firm, given that it has a cost of capital of $12\%?$

an increase of approximately $$4\mathrm{.}86$ million

a decrease of approximately $$4\mathrm{.}86$ million

a decrease of approximately $$5\mathrm{.}44$ million

an increase of approximately $$5\mathrm{.}44$ million

an increase of $$2\mathrm{.}31$ million