You are trying to attract new customers that you feel could become repeat customers. The average price of the items you sell is $$93$ with a $$70$ variable cost. Your monthly interest rate is $2\mathrm{.}1$ percent. Your experience tells you that $10$ percent of these customers will never pay their bill. Should you offer credit terms of net $30$ to attract these potential customers? Why or why not?

Yes; because the net present value of extending credit is $$40.$

Yes; because the net present value of extending credit is $$916.$

No; because the net present value of extending credit is $-$$$1,025.$

No; because the net present value of extending credit is $-$$$59.$

It doesn't matter; because the present value of extending credit is $$0.$