At Corner Bakery, the average customer in the "Young Mothers" segment brings in $68 in annual margin to the firm. In turn, Corner Bakery spends $25 per customer each year on retention communications. Acquiring a customer in this category costs the Corner Bakery an average of $66. Corner Bakery's retention rate for these customers is 82%. If the company maintains a discount rate of 12%, calculate customer lifetime value for 1 "Young Mothers" customer. Rounding: penny. Remember, the answer may be negative.