Energetic Insurance has an investment that has an initial outflow of $30,000 and a return of SO at the end of the first year and $40,000 at the end of the second year. The required rate of return is 12% What is the net present value of this investment? Disregard the effect of depreciation and taxes Select one: a $20,176 b. $1,888 c $5,716 d. $37,604