You are about to graduate and expect to get a job with a starting salary of $55,000 (ignore taxes). Assume for simplicity that you receive this entire amount at the end of the year (your paycheck arrives at t=1). You anticipate raises of 2% every year until you retire (so at t=2 you get $56,100, for example). Your last year of working will be t=30. Instead of working, you are also considering the University of Oregon's 1-year Masters of Science in Finance (MSF) degree. If you are accepted and enroll: You must pay $37,000 in tuition and fees in full, today. You will earn no money in the upcoming year, t=1. Your new salary, received for the first time at t=2, will be $67,000. This salary will grow at 3% per year until you retire. Your last year of work will still be t=30 (so you work 29 years). Your discount rate is 4%. What is the NPV of doing the MSF?