Sachin has asked his flat mate Jason for a $400 loan to cover a portion of his rent and utility costs. Sachin proposes repaying the loan with $350 from each of his next two financial aid disbursements, the first 3 months from now and the second 12 months from now. Jason's alternative is to earn 4% annually in his money market account. Assume there is no risk of default, and that compounding is monthly. What is the NPV of the loan from Jason's perspective? (Enter just the number in dollars without the $ sign or a comma and round off decimals to the closest integer, i.e., rounding $30.49 down to $30 and rounding $30.50 up to $31.)