Problem: Perform a financial analysis for a project. Assume that the projected costs and benefits for this project are spread over four years as follows: Estimated costs are $300,000 in Year 1 and $ 60,000 each year in Years 2, 3, and 4. Estimated benefits are $0 in Year 1 and $140,000 each year in Years 2, 3, and 4. Use a 6 percent discount rate, and round the discount factors to two decimal places. What is the discount factor in year 4?