XYZ borrows $$14,961$ at a subsidized rate of $2\mathrm{.}3\%$ to invest in a project. The project lasts for $11$ years and XYZ repays the loan at the end of the project. If XYZ$\text{'}$s cost of debt is $6\mathrm{.}4\%$ and the tax rate is $31\%,$ calculate the NPV of the this loan financing. $*$Keep at least $4$decimal places for all calculations. Do not enter your answers in percentage. All answers are in decimal. $*$