Johnny is considering whether to attend training for his job. The training will cost him $6,000 in tuition and fees for each of the next 4 years. The training should increase his annual income by $5,000 per year for 20 years, beginning 4 years from now. Seven years from now, Johnny will have to make a $3,000 one-time payment for some additional training. In addition his employer promised him a one-time bonus of $4,000 to be received 2 years after he has completed training (6 years from now). Calculate the net present value of Johnny's training. Use a 9% interest rate. No dollar signs, commas or decimals