What would be the net present value of a microwave oven that costs $188 and will save vou $78 a year in time and food away from home? Assume an average return on your savings of 3 percent for five years. Exhibit 1-B, Exhibit 1-C, Exhibit 1-D) Note: Use appropriate factor(s) from the tables provided. Round time value fctr to " 3 "decimal places and answer to 2 decimal places