An investment requires an initial outlay of $500,000. The projected cash flows for the next five years are as follows: Year 1: $100,000, Year 2: $120,000, Year 3: $150,000, Year 4: $180,000, Year 5: $200,000. Calculate the payback period of this investment, the year when the cumulative cash flow becomes positive, and the total cumulative cash flow at the end of the fifth year.