Please I need help with this!!

Framing Inc. is considering changing its credit policy from 2/20 net 50 to 3/20 net 60. The firm expects the policy change to increase sales 30% over the current $12 million level. Framing also expects the percentage of customers taking advantage of the discount to increase from 20% to 65% and the bad-debt loss ratio will increase from 3.7% to 4.2%. Framing expects the average collection period to decrease from 58 days to 52 days. Its variable cost ratio is 87% and its required return on A/R investments is 15%. Should Framing adopt the new policy?

Question options:

a) Yes, the difference between marginal benefits and marginal costs is $468,000

b) No, the difference between marginal benefits and marginal costs is ($315,016)

c) Yes, the difference between marginal benefits and marginal costs is $256,800

d) No, the difference between marginal benefits and marginal costs is ($46,743)