helen bowers, owner of helen's fashion designs, is planning to request a line of credit from her bank. she has estimated the following sales forecasts for the firm for parts of 2021 and 2022: may 2021 $ 160,000 june 160,000 july 320,000 august 480,000 september 640,000 october 320,000 november 320,000 december 80,000 january 2022 160,000 estimates regarding payments obtained from the credit department are as follows: collected within the month of sale, 10%; collected the month following the sale, 75%; collected the second month following the sale, 15%. payments for labor and raw materials are made the month after these services were provided. here are the estimated costs of labor plus raw materials: