NEU students buy their groceries at Wholefoods close to the University. On average, NEU student spends about $400 per month at Wholefoods in the first year, $500 per month in the second year, $550 per month in the third year and $ 300 per month in the 4^th year. Wholefoods cost of goods sold is 80% of the sales revenue. Wholefoods spends 12% of the revenue on sales and marketing expenses. Calculate the life time value for the four years of a student. Use 10% as discount factor.