Nancy's Notions pays a delivery firm to distribute its products in the metro area. Delivery costs are $38,000 per year. Nancy can buy a used truck for $11,000 that will be adequate for the next 3 years. Operating and maintenance costs are estimated to be $27,000 per year. At the end of 3 years, the used truck will have an estimated salvage value of $1,500. Nancy's MARR is 19%/year.

What is this investment's internal rate of return?