You are considering installing solar panels on your roof, which you expect will reduce your utility bill by $2100 in the first year (assume end of year), with the savings growing at a 3.8% annual rate thereafter for the foreseeable future (assume perpetual). If the installation costs $13,000 after all federal and state tax credits and the appropriate discount rate is 9.8%, what is the NPV of this investment? Round to the nearest cent.