Marian Plunket owns her own business and is considering an investment. If she undertakes the investment, it will pay $ 28,000 at the end of each of the next 3 years. The opportunity requires an initial investment of $ 7,000 plus an additional investment at the end of the second year of $ 35,000. What is the NPV of this opportunity if the interest rate is 5 % per year? Should Marian take it?