A public project is being considered by a local government that will cost $10M at the start and SSM at the end of years 1 through 5. The project is estimated to earn $20M at the end of year 2, $30M at the end of years 3 and 4, and $20M at the end of year 5. Assuming i = 10%. What is the benefit-to-cost ratio for this project? Draw a cash flow diagram for the costs and benefits annually.