Second Best Insurance company is advertising a new product to retirees looking to invest their 401(K) retirement accumulations. The idea is this: give us, Second Best, the lump sum of $680 today and we'll then give you, the retiree, an annuity of $230 to be received at the end of each year, beginning one year from today, for 4 consecutive years. From the standpoint of the retiree, calculate the NPV of this product if the required rate of return is 8%. Place your answer in dollars and cents. Indicate any negative amounts (if applicable) with a minus sign in front of the number. Do not include a dollar sign in your answer. Work all calculations using at least 4 decimal places of accuracy