3. On the first day of the year, a man deposits P1,000 in a bank at 8% per year compounded annually. He withdraws P80 at the end of the first year, P90 at the end of the second year, and the remaining balance at the end of the third year. How much better off, in terms of net cash flow, would he have been if he had not made the withdrawals at the ends of years one and two