Consider a policy that has benefits and costs that accrue in the following way:

Year 0: Benefits = 0, Costs = 115

Year 1: Benefits = 30, Costs = 30

Year 2: Benefits = 60, Costs = 30

Year 3: Benefits = 80, Costs = 30

Year 4: Benefits = 100, Costs = 30

If the social discount rate is 5%, then the net present value of the policy is ____. Please round your final answer to two digits (e.g., 5.63 or -1.22).