An industrial engineer invests $100,000.00 now, and in threeyears he adds $3,000.00 to the investment. He is able to withdraw $5,000.00 the first year increasing by $1,000.00 each year for 10years. He also will be withdrawing $50,000.00 in fiveyears and $20,000.00 in 10years. Using net present worth analysis, determine the rate of return on the investment.