James Horner is considering an investment scheme, to fund his house purchase at the end of year 6 with following cash deposits in respective years. All deposits take place at the beginning of the year. 6 3 4 5 12,000 14,000 16,000 18,000 20,000 Year 1 2 Cash deposit (S) 10,000 The rate of interest on the deposits is 9% per annum. If James requires an amount of $115,000 at the end of year 6 to purchase the property, how much will be the shortfall or surplus of this investment scheme?