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

Year 0: Benefits = 0; Costs = 100.

Year 1: Benefits = 20; Costs = 20.

Year 2: Benefits = 40; Costs = 20.

Year 3: Benefits = 60; Costs = 20.

Year 4: Benefits = 80; Costs = 20.

If the social discount rate is3%, the net present value of the policy is ____.

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