answer question below

21 Consider an individual who will invest a total of $10,000 in direct and indirect costs for training in order to increase earnings by $12,500 for the next year. Suppose the interest rate is 8%. If this person plans to retire the following year, the net present value of this investment is closest to Multiple Choice ts 01:16:34 O zero. Book $1,600. O $2,500. O $11,600. . . ..................";