Digital Organics has the opportunity to invest 1.01 million now (t=0) and expects after-tax returns s of $610,000 in t=1 and $710,000 in t= 2. The project will last for two years only. The appropriate cost of capital is 13% with all-equity financing., the borrowing rate is 9%, and DO will borrow $310,000 against the project. This debt must be repaid in two equal installments. Assume debt tax shields have a net value of .40 per dollar of interest paid. Calculate the project's NPV.