Perform the subtraction and simplify. 
Definitions:
New Roof
The process or cost associated with replacing an old roof with a new one, either for repair or upgrade purposes.
Compounded Annually
Interest calculated on the initial principal and the interest accumulated over the previous periods once every year.
Present Value
The amount needed to invest today to reach a stated future goal, given a certain rate of return.
Withdrawals
Amounts of money taken out of an account, which can reduce the balance in banking or investment contexts.
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