Anderson Corporation has a customer who wants to purchase $100,000 of goods on credit. Anderson estimates that the customer has a 98% probability of paying the $100,000 in three months and a 2% probability of a complete default (paying no cash at all). Anderson assumes an investment of 80% of the amount, made at the time of the sale, and a required return of 10% APY. What is the NPV of extend ing the customer credit? (Enter your answer as a decimal accurate to two decimal places)