You have the opportunity to invest in a project which would require you to pay $59,000 now and another $110,000 in one year, with the promise of a return of $332,000 four years from now. You don't have the cash, but your rich uncle is willing to lend you the money, and would charge you interest at j1 = 8.6% for the first 2 years and j1 = 12.7% thereafter. What is your net present value (NPV) for this investment