Pure Fertilizers conducted a net present value (NPV) analysis for both its existing credit policy and its new credit policy. The net change in NPV on a daily basis is $15, and the expected return is 8%. Assuming there are 360 days in a year, the increase in the firm's value is _____.

a) $36,000
b) $45,000
c) $54,000
d) $60,000