You are trying to evaluate an expansion plan for a grocery store that will be financed with no debt. For this project, the discount rate is 9%. Your cash flows will be $1 million, $3 million, and $4 million for the first 3 years and grow at 3% from then on. If this expansion costs $50 million, what is the NPV? Please show all your steps clearly and don't use a financial calculator as this does not help.