Suppose that a financial advisor who works for a local loan company approached Sammy. He was told about the companys star product. If Sammy buys the product, he needs to make $35,000 investment up front. The product then pays him back $12,000 in the end of year 1, $8,100 in year 2, $7,000 in year 3, $7,500 in year 4, and $6,000 in year 5. The interest rate is 5%.

refer to the above cash study. What is the NPV (or net present value) for this case?

A. $694

B. -685

C. $214

D. -$214

E. -$365