Laura wants to buy a delivery truck. The truck costs $127,000 , and will allow her to increase her after tax profits by $6,000 per year for the next 10 years. She will borrow 86% of the cost of the truck for 10 years, at an interest rate of 7%. Lauras unlevered cost of capital is 10% and her tax rate is 33%. The loan includes a $1,000 application fee. What is the NPV of buying the truck on these terms?