Lets used 60 and 90 day AR turnover 60 day @ 7% = 200,000 times 7% = $14,000; 90 day $21,000 WOW this is getting better and better all the time. $48,000 vs $7,000, or 14,000 or 21,000; depending on the collection time Wow what a great deal. Gotta send this to P&G right away.