Laura wants to buy a delivery truck. The truck costs $97,000 , and will allow her to increase her after tax profits by $28,000 per year for the next 10 years. She will borrow 92% of the cost of the truck for 10 years, at an interest rate of 6%. Lauras unlevered cost of capital is 8% and her tax rate is 22%. The loan includes a $2,000 application fee. What is the NPV of buying the truck on these terms?