| Year | Vaultline Cost | Avoided Labor | Error Reduction | Net Cash Flow | Cumulative NPV |
|---|---|---|---|---|---|
| Year 0 | ($144,000) | $85,000 | $128,000 | $69,000 | $61,607 |
| Year 1 | ($144,000) | $178,000 | $267,000 | $301,000 | $301,294 |
| Year 2 | ($148,000) | $187,000 | $281,000 | $320,000 | $528,921 |
| Year 3 | ($152,000) | $196,000 | $295,000 | $339,000 | $769,558 |
| Year 4 | ($157,000) | $206,000 | $310,000 | $359,000 | $1,397,211 |
We cut carrier-dispute resolution from 11 days to 18 hours. The ROI model Vaultline gave us was more conservative than reality.