Ken is considering a career in any of the following tracks. Ken collected information related to potential income and cost for his options. Since he is considering average income, Ken divided his professional career into 5 periods of earning

Occupation Period 0 Period 1 Period 2 Period 3 Period 4

Neurosurgeon -20 5 15 20 30

Accountant 4 6 10 12 14

Artist 3 3 3 3 3

Gymnast 25 10 0 0 0

Assume that Ken's discount factor d=0.85.

Because he received such a good MCAT score of 826, Ken received a merit grant to become a neurosurgeon reducing period 0's payoff from -20 to -5. Would It be beneficial to accept the grant and follow his dreams to become a Neurosurgeon. If so, calculate the new Net Present Value of his choice.