What would be the net present value of a microwave oven that costs $178 and will save you $87 a year in time and food away from home? Assume an average return on your savings of 5 percent for 6 years. (Hint: Calculate the present value of the annual savings, then subtract the cost of the microwave.) Use Exhibit 1-D. (Round time value factors to 3 decimal places and final answer to 2 decimal places.)