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After presenting this more thorough analysis to her banker, she was reminded that these estimates $($from parts $($a$)$ and $($b$))$ do not provide her much room $($if any$)$ for a salary to herself. That could be a problem! If Ruth believes she needs $$20,800$ per year to get by$,$ rerun the present value analysis to determine how much total annual operating cash flow she will need to cover all the previously estimated expenses, plus her own salary, and still make a $5\%$ return. $($Round present value factor calculations to $5$ decimal places, e$.$g$.1\mathrm{.}25124$ and final answer to $2$ decimal places e$.$g$.5,125\mathrm{.}36.)$

Before$-$tax annual net operating cash flow

$ $$

What does this equate to on a per$-$customer level, before$-$tax? $($Round answer to $2$ decimal places e$.$g$.5,125\mathrm{.}36.)$

Annual operating cash flows per customer before$-$tax

$

$$ per customer

Ruth has been working with a small travel agency for the past few years to learn the business and to better understand what costs are necessary to run it$.$ Now, having been in the business world for a few years, she's ready to start her own travel agency, specializing in "off the grid" locations. She knows there will be both overhead costs and labor costs, since she intends to hire one assistant. The following chart outlines her estimates thus far.

$\backslash$table$[[$Annual net operating cash flows ${?}^a,$$$4,200$