. Assuming monetary benefits of an information system at $90,000 per year, one-time costs of $70,000, recurring costs of $33,000 per year, a discount rate of 9 percent, and a 5-year time horizon, calculate the net present value (NPV) of the system’s costs and benefits. Also, calculate the overall return on investment (ROI) of the project and then present a break-even analysis (BEA). At what point does break-even occur?