Suppose a company is considering investing in a new asset. It is expected to generate income for three years: $15,000 at the end of the first year, $20,000 at the end of the second year and $40,000 at the end of the third year. The interest rate is 4% p.a. compounded yearly. If the asset costs $60,000 to buy now. What is the net present value of this investment (taking both the income and cost into account)? Please ignore the dollar notation, just fill in the numerical answer, omit a comma in expressions like 10,000 etc., and round your answer to 2 decimal places