Problem: Assuming monetary benefits of an information system at $85,000 per year, onetime costs of $75,000, recurring costs of $35,000 per year, a discount rate of 10 percent, and a 5-year time horizon, show calculation the net present value (NV) of the system's cost and benefits. Also calculate the overall and annual return on investment (ROl) of the project and then present a payback period -what point does break-even occur?