The Fast Reader Company supplies bulletin board services to numerous hotel chains nationwide. The owner of the firm is investigating the desirability of employing a billing firm to do her billing and collections. Because the billing firm specializes in these services, collection float will be reduced by 16 days. Average daily collections are $ 10 comma 200, and the owner can earn 8.1 % annually (expressed as an APR with monthly compounding) on her investments. If the billing firm charges $550 per month, should the owner employ the billing firm?