Assume that the interest rate is 12% per year and you expect to receive the following stream of annual cash flows from a project: (The year 0 cash flow occurs today and the year 4 cash flow occurs exactly 4 years from today). What is the current Net Present Value (NPV0) of the stream of cash flows? Cash Flows in dollars: (Year 0: -10,000); (Year 1: 15,000); (Year 2: 20,000); (Year 3: 15,000); (Year 4: 20,000)