Assuming monetary benefits of an information system at $25,000 per year (beginning in year 1), one-time costs of $35,000, recurring costs of $20,000 per year, a discount rate of 10 percent, and a 5-year time horizon, calculate the net present value of these costs and benefits of an information system. Also calculate the overall return on investment of the project and then present a break-even analysis. At what point does break-even occur