Consider John, who just turned 18 years old and is about to embark on a four-year degree program. The tuition for the course is $25,000 per year. John currently works at Target as an assistant manager making $85,000 per year and will have to quit his job to pursue the degree. Based on the BLS Occupational Handbook John anticipates his incremental earnings from his new job will be $30,000 each year following graduation (starting when he turns 22) until he retires on his 60th birthday. Assume all payments and income are incurred-received at the end of each year and that he can borrow/save at an interest rate of 6%. a. Calculate the net present value of this investment