$13.$ A bicycle manufacturer currently produces $213,000$ units a year and expects output levels to remain steady in the future. It buys chains from an outside supplier at a price of $ $1\mathrm{.}90$ a chain.The plant manager believes that it would be cheaper to make these chains rather than buy them.Direct in$-$house production costs are estimated to be only $ $1\mathrm{.}50$ per chain. The necessary machinery would cost $ $227,000$ and would be obsolete after ten years. This investment could be depreciated to zero for tax purposes using a ten$-$year straight$-$line depreciation schedule. The plant manager estimates that the operation would require $ $26,000$ of inventory and other working capital upfront $($year $0),$ which is recoverable at the end of the ten years. Expected proceeds from scrapping the machinery after ten years are $ $17,025.$ If the company pays tax at a rate of $35\%$ and the opportunity cost of capital is $15\%,$ what is the net present value of the decision to produce the chains in$-$house instead of purchasing them from the supplier?$14.$ You are $26$ years old and decide to start saving for your retirement. You plan to save $ $5,500$