What would be the net present value of a microwave oven that costs $161 and will save you $70 a year in time and food away from home? Assume an average return on your savings of 5 percent for 5 years. (Calculate the present value of the annual savings, then subtract the cost of the microwave.) Use Exhibit 1-D. (Round time value factor to 3 decimal places and final answer to 2 decimal places.) Net present value $