What would be the net present value of a microwave oven that costs $$159$ and will save you $$68$ a year in time and food away from home? Assume an average return on your savings of $4$ percent for five years. $($Hint: Calculate the present value of the annual savings, then subtract the cost of the microwave.$)$ Use Exhibit $1-$D$.($Round PVA factor to $3$ decimal places and final answer to $2$ decimal places.$)$