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

Year 0: Benefits = 50; Costs = 20.

Year 1: Benefits = 15; Costs = 20.

Year 2: Benefits = 10; Costs = 20.

Year 3: Benefits = 10; Costs = 30.

If the social discount rate is5%, the net present value of the policy is Answer.

Please report your answer out to at least two digits (e.g., 4.44 or -0.26).