calculate the payback period of an initial investment $95,000 Working capital deposit $5,000 Operations (per year for 4 years) Trucking revenue Less: Driver's salary $250,000 $95,000 Insurance Fuel and maintenance $50,000 Total expenses $20,000 $165,000 Net annual cash flows $85,000 Disinvestment Sale of truck Recovery of working capital $2,000 Total disinvestment $25,000 $27,000, and an 8% Discount rate