Civic Intelligence

Atlantic Firemans Education Association

990EZ • Fiscal year 2016 • EIN 01-6018670

Jan 01, 2016 to Dec 31, 2016 • Filed on May 05, 2017

Pobox 7686Cape Porpoise, ME 04014

(207) 967-1357

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

55th percentile

0.00x

Higher debt load relative to assets than 55% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Liabilities / Revenue

58th percentile

0.00x

Higher debt load relative to revenue than 58% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Net Margin

90th percentile

41%

Higher net margin than 90% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2016

Asset Growth

66th percentile

13%

Faster asset growth than 66% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

78th percentile

27%

Faster revenue growth than 78% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Assets

Up

$170,174

Up $19,755 (+13%) from 2015

Net Assets

Up

$169,977

Up $19,755 (+13%) from 2015

Liabilities

Flat

$197

Flat from 2015

Revenue

Up

$47,726

Up $10,078 (+27%) from 2015

Expenses

Down

$27,972

Down $514 (-1.8%) from 2015

Net Income

Up

$19,754

Up $10,592 (+116%) from 2015

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$400K$300K$200K$100K$0Assets 2010: $128,843Liabilities 2010: $511Net Assets 2010: $128,3322010Assets 2011: $131,860Liabilities 2011: $784Net Assets 2011: $131,0762011Assets 2012: $131,448Liabilities 2012: $871Net Assets 2012: $130,5772012Assets 2013: $136,973Liabilities 2013: $674Net Assets 2013: $136,2992013Assets 2014: $141,095Liabilities 2014: $581Net Assets 2014: $140,5142014Assets 2015: $150,419Liabilities 2015: $197Net Assets 2015: $150,2222015Assets 2016: $170,174Liabilities 2016: $197Net Assets 2016: $169,9772016Assets 2017: $194,016Liabilities 2017: $197Net Assets 2017: $193,8192017Assets 2018: $195,435Liabilities 2018: $197Net Assets 2018: $195,2382018Assets 2019: $211,364Liabilities 2019: $197Net Assets 2019: $211,1672019Assets 2020: $239,456Liabilities 2020: $3,071Net Assets 2020: $236,3852020Assets 2021: $282,513Liabilities 2021: $0Net Assets 2021: $282,5132021Assets 2022: $296,654Liabilities 2022: $197Net Assets 2022: $296,4572022Assets 2023: $309,933Liabilities 2023: $197Net Assets 2023: $309,7362023Assets 2024: $340,870Liabilities 2024: $197Net Assets 2024: $340,6732024

Highlighted filing

2016

Assets$170,174
Liabilities$197
Net Assets$169,977

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$100K$50K$0Revenue 2010: $34,637Expenses 2010: $30,742Net Income 2010: $3,8952010Revenue 2011: $31,153Expenses 2011: $28,409Net Income 2011: $2,7442011Revenue 2012: $39,224Expenses 2012: $27,819Net Income 2012: $11,4052012Revenue 2013: $36,461Expenses 2013: $30,737Net Income 2013: $5,7242013Revenue 2014: $34,580Expenses 2014: $30,365Net Income 2014: $4,2152014Revenue 2015: $37,648Expenses 2015: $28,486Net Income 2015: $9,1622015Revenue 2016: $47,726Expenses 2016: $27,972Net Income 2016: $19,7542016Revenue 2017: $52,810Expenses 2017: $28,965Net Income 2017: $23,8452017Revenue 2018: $47,036Expenses 2018: $45,720Net Income 2018: $1,3162018Revenue 2019: $53,549Expenses 2019: $37,620Net Income 2019: $15,9292019Revenue 2020: $54,347Expenses 2020: $29,131Net Income 2020: $25,2162020Revenue 2021: $86,495Expenses 2021: $49,963Net Income 2021: $36,5322021Revenue 2022: $48,280Expenses 2022: $44,724Net Income 2022: $3,5562022Revenue 2023: $61,903Expenses 2023: $48,624Net Income 2023: $13,2792023Revenue 2024: $75,825Expenses 2024: $44,878Net Income 2024: $30,9472024

Highlighted filing

2016

Revenue$47,726
Expenses$27,972
Net Income$19,754
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 5, 2017
Return Version
2016v3.0
Gross Receipts
$56,098
Mission and Program Overview

Mission

The organization operates a free library to the surrounding community

Program Services

DescriptionGrantsExpenses
COMMUNITY LIBRARY - THE ORGANIZATION OPERATES A FREE LIBRARY OPEN 48 HRS A MONTH-$22,360
ATLANTIC HALL - MEETING PLACE FOR VARIOUS COMMUNITY GROUPS IN ADDITION TO PROVIDING A RENTAL FACILITY FOR OTHERS$1,000$13,985
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
DAN VIEHMANNPresident-$0--
CECIL BENSONVice Preside-$0--
RICHARD SMITHTreasurer-$0--
PATRICIA SMITHSecretary-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Events at the H$17,462$17,462$8,372$9,090
Total Events$17,462$17,462$8,372$9,090
Filing and Contact Details

Filer

Filer Name
Atlantic Firemans Educational Asso
EIN
01-6018670
Phone
2079671357
Address
POBOX 7686, CAPE PORPOISE, ME 04014

Signing Officer

Name
Richard Smith
Title
Treasurer
Phone
2079671357
Signed
2017-05-05
Discuss with paid preparer
Yes

Preparer

Firm
David B Reid - Accountant
Address
P O BOX 1366, KENNEBUNKPORT, ME 04046
Preparer
David B Reid
Phone
2079674151
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8

Other revenue-library 341 other revenue-hall 94 total 435

Form 990-ez, Part I, Line 16

Expenses hall 1,690 library 787 state annual report fees 35 tax preparation/audit 450 administration 1,162 computer 231 books, dvd's 2,961 repairs&maintence 8,506 supplies 515 postage 140 equipment 934 newsletter 385 gift 50 total 17,846

Form 990-ez, Part I, Line 20

Prior years adjustments 1,000

Form 990-ez, Part II, Line 26

Payroll taxes payable 197 197

Raw XML Appendix165 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0RICHARD L SMITH
IRS990EZ/BooksInCareOfDetail/PhoneNum02079671357
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0POBOX 7276
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0CAPE PORPOISE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0ME
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd004014
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0149420
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0170174
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt022165
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt019754
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0149420
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0170174
IRS990EZ/FundraisingGrossIncomeAmt017462
IRS990EZ/GrantsAndSimilarAmountsPaidAmt01000
IRS990EZ/GrossReceiptsAmt056098
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt03581
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0149223
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0169977
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0149223
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0169977
IRS990EZ/OccupancyRentUtltsAndMaintAmt02890
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt3000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0DAN VIEHMANN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1CECIL BENSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2RICHARD SMITH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3PATRICIA SMITH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE PRESIDE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SECRETARY
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherChangesInNetAssetsAmt01000
IRS990EZ/OtherExpensesTotalAmt017846
IRS990EZ/OtherRevenueTotalAmt0435
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0THE ORGANIZATION OPERATES A FREE LIBRARY TO THE SURROUNDING COMMUNITY
IRS990EZ/ProgramServiceRevenueAmt012455
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0COMMUNITY LIBRARY - THE ORGANIZATION OPERATES A FREE LIBRARY OPEN 48 HRS A MONTH
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1ATLANTIC HALL - MEETING PLACE FOR VARIOUS COMMUNITY GROUPS IN ADDITION TO PROVIDING A RENTAL FACILITY FOR OTHERS
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt01000
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt022360
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt113985
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt06236
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt08372
IRS990EZ/SpecialEventsNetIncomeLossAmt09090
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0197
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0197
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt027972
IRS990EZ/TotalProgramServiceExpensesAmt036345
IRS990EZ/TotalRevenueAmt047726
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0OTHER INCOME 99,858
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt022165
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt021168
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt013325
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt016308
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt019053
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt092019
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt03581
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt01623
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0320
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0287
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0984
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt06795
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt030352
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt021156
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt032620
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt023232
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt022850
IRS990ScheduleA/OtherIncome170Grp/TotalAmt0130210
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.40180
IRS990ScheduleA/PublicSupportPY170Pct00.42890
IRS990ScheduleA/PublicSupportTotal170Amt092019
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt022165
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt021168
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt013325
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt016308
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt019053
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt092019
IRS990ScheduleA/TotalSupportAmt0229024
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt08372
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0EVENTS AT THE H
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt017462
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt017462
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt017462
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt017462
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt09090
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt08372
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt08372
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OTHER REVENUE-LIBRARY 341 OTHER REVENUE-HALL 94 TOTAL 435
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES HALL 1,690 LIBRARY 787 STATE ANNUAL REPORT FEES 35 TAX PREPARATION/AUDIT 450 ADMINISTRATION 1,162 COMPUTER 231 BOOKS, DVD'S 2,961 REPAIRS&MAINTENCE 8,506 SUPPLIES 515 POSTAGE 140 EQUIPMENT 934 NEWSLETTER 385 GIFT 50 TOTAL 17,846
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PRIOR YEARS ADJUSTMENTS 1,000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PAYROLL TAXES PAYABLE 197 197
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART I, LINE 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART II, LINE 26
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RICHARD SMITH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum02079671357
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ATLANTIC FIREMANS EDUCATIONAL ASSO
ReturnHeader/Filer/BusinessNameControlTxt0ATLA
ReturnHeader/Filer/EIN0016018670
ReturnHeader/Filer/PhoneNum02079671357
ReturnHeader/Filer/USAddress/AddressLine1Txt0POBOX 7686
ReturnHeader/Filer/USAddress/CityNm0CAPE PORPOISE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ME
ReturnHeader/Filer/USAddress/ZIPCd004014
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0AF4821F9D76A72C859D343DB89F1B8E206218165
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0EAEF60479818725E5025E18C1E66B65AF0C8A52B
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0010391724
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DAVID B REID - ACCOUNTANT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0P O BOX 1366
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0KENNEBUNKPORT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ME
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd004046
ReturnHeader/PreparerPersonGrp/PhoneNum02079674151
ReturnHeader/PreparerPersonGrp/PreparationDt02017-05-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DAVID B REID
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02017-05-12T10:16:26-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.41$0.00$3.41$0.76$0.45$0.31
2023Detailed filing. Detailed filing data is available for this year.$3.10$0.00$3.10$0.62$0.49$0.13
2022Detailed filing. Detailed filing data is available for this year.$2.97$0.00$2.96$0.48$0.45$0.04
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.83$0.00$2.83$0.86$0.50$0.37
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.39$0.03$2.36$0.54$0.29$0.25
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.11$0.00$2.11$0.54$0.38$0.16
2018Detailed filing. Detailed filing data is available for this year.$1.95$0.00$1.95$0.47$0.46$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.94$0.00$1.94$0.53$0.29$0.24
2016Detailed filing. Detailed filing data is available for this year.$1.70$0.00$1.70$0.48$0.28$0.20
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.50$0.00$1.50$0.38$0.28$0.09
2014Detailed filing. Detailed filing data is available for this year.$1.41$0.01$1.41$0.35$0.30$0.04
2013Detailed filing. Detailed filing data is available for this year.$1.37$0.01$1.36$0.36$0.31$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.31$0.01$1.31$0.39$0.28$0.11
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.32$0.01$1.31$0.31$0.28$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.29$0.01$1.28$0.35$0.31$0.04