The initial cost of a project is $1 million. The project will not produce any cash flows for the first four years. Starting in year five, the project will produce cash inflows of $500,000 a year for five years. This project is risky, so the firm has assigned it a discount rate of 20 percent. What is the project's net present value? a) 469691 b) -399070.03 c) not enough info d) none of the above