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 $$630$ today and we'll then give you, the retiree, an annuity of $$280$ to be received at the end of each year, beginning one year from today, for $6$ consecutive years.

From the standpoint of the retiree, calculate the NPV of this product if the required rate of return is $9\%.$

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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.