A change that would tend to decrease the premium on a disability insurance policy is a. a shorter elimination period, b. use of an own occupation definition of disability instead of an any occupation to which reasonably suited definition, c. increasing the benefit level from 67 percent to 75 percent of prior earnings, d. lowering the payment period from until age 70 to until age 65.

Parks corporation is considering an investment proposal in which a working capital investment of $10,000 would be required. the investment would provide cash inflows of $2,000 per year for six years. the working capital would be released for use elsewhere when the project is completed. if the company's discount rate is 10%, the investment's net present value is closest to (ignore income taxes) ?