Elaine Romberg prepares her own income tax return each year. A tax preparer would charge her $130 for this service. Over a period of 17 years, how much does Elaine gain from preparing her own tax return? Assume she can earn 3 percent on her savings. Use the appropriate Time Value of Money table [Exhibit 1-A, Exhibit 1-B, Exhibit 1-C, OR Exhibit 1-D]