12. Discuss the credit policy that you would recommend for the company. If you are using the spreadsheet application for this case, determine the sensitivity of the credit policy decision to sales, variable cost ratio and cost of debt. Also discuss the sensitivity of the credit card decision to the estimated change in cost of credit cards and percent of customers using credit card, the sensitivity of the software scenario to the estimated change in sales, the percentage taking the credit, DSO of non-discount takers, and the percent bad debt.