Question 3 (5 marks) Set up a cash-flow analysis spreadsheet for a photovoltaic system that costs $12,000, generates 8000 kWh/yr and is paid for with a 6%, 20-year loan. Assume a tax bracket of 30.5%, initial cost of utility electricity 10/kWh, utility electricity rate escalation 5%/yr, and personal discount rate of 10%.