A retail outlet is being designed in a strip mall in Nebraska. For this outlet, the installed fiberglass insulation to protect against heat loss in the winter and heat gain in the summer will cost an estimated $115 comma 000. The annual savings in energy due to the insulation will be $19 comma 000 at EOY one in the 10-year life of the outlet, and these savings will increase by 15% each year thereafter. If the annual interest rate is 20%, is the cost of the proposed amount of insulation justified?