Civic Intelligence

Oakdale Foundation Inc.

990 • Fiscal year 2014 • EIN 04-2717961

Jul 01, 2013 to Jun 30, 2014 • Filed on Nov 14, 2014

16 Oak StreetGt Barrington, MA 01230

(413) 528-2346

Siviq Scores

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

Liabilities / Assets

96th percentile

1.54x

Higher debt load relative to assets than 96% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Liabilities / Revenue

94th percentile

0.70x

Higher debt load relative to revenue than 94% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Net Margin

60th percentile

7.7%

Higher net margin than 60% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Top Officer Pay

96th percentile

$68,000

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 16.4% of source-year revenue.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Asset Growth

65th percentile

12%

Faster asset growth than 65% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

60th percentile

8.2%

Faster revenue growth than 60% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Assets

Up

$189,823

Up $20,442 (+12%) from 2013

Net Assets

Up

-$102,227

Up $32,086 (+24%) from 2013

Liabilities

Down

$292,050

Down $11,644 (-3.8%) from 2013

Revenue

Up

$415,282

Up $31,557 (+8.2%) from 2013

Expenses

Down

$383,196

Down $16,561 (-4.1%) from 2013

Net Income

Up

$32,086

Up $48,118 (+300%) from 2013

Historical Trend

Balance Sheet Trend

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

$1.5M$1.0M$500K$0-$500KAssets 2011: $188,671Liabilities 2011: $353,768Net Assets 2011: -$165,0972011Assets 2012: $223,183Liabilities 2012: $341,464Net Assets 2012: -$118,2812012Assets 2013: $169,381Liabilities 2013: $303,694Net Assets 2013: -$134,3132013Assets 2014: $189,823Liabilities 2014: $292,050Net Assets 2014: -$102,2272014Assets 2015: $187,177Liabilities 2015: $259,964Net Assets 2015: -$72,7872015Assets 2016: $187,564Liabilities 2016: $230,736Net Assets 2016: -$43,1722016Assets 2017: $201,942Liabilities 2017: $191,762Net Assets 2017: $10,1802017Assets 2018: $239,944Liabilities 2018: $155,653Net Assets 2018: $84,2912018Assets 2019: $349,861Liabilities 2019: $158,304Net Assets 2019: $191,5572019Assets 2020: $525,100Liabilities 2020: $168,454Net Assets 2020: $356,6462020Assets 2021: $595,100Liabilities 2021: $86,325Net Assets 2021: $508,7752021Assets 2022: $743,399Liabilities 2022: $48,591Net Assets 2022: $694,8082022Assets 2023: $891,686Liabilities 2023: $157,989Net Assets 2023: $733,6972023Assets 2024: $835,547Liabilities 2024: $31,521Net Assets 2024: $804,0262024Assets 2025: $1,076,514Liabilities 2025: $74,413Net Assets 2025: $1,002,1012025

Highlighted filing

2014

Assets$189,823
Liabilities$292,050
Net Assets-$102,227

Operations Trend

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

$1.0M$500K$0-$500KRevenue 2011: $406,998Expenses 2011: $361,452Net Income 2011: $45,5462011Expenses 2012: $329,8502012Revenue 2013: $383,725Expenses 2013: $399,757Net Income 2013: -$16,0322013Revenue 2014: $415,282Expenses 2014: $383,196Net Income 2014: $32,0862014Revenue 2015: $428,790Expenses 2015: $399,350Net Income 2015: $29,4402015Revenue 2016: $412,025Expenses 2016: $382,410Net Income 2016: $29,6152016Revenue 2017: $429,667Expenses 2017: $376,315Net Income 2017: $53,3522017Revenue 2018: $430,917Expenses 2018: $356,806Net Income 2018: $74,1112018Revenue 2019: $525,974Expenses 2019: $418,708Net Income 2019: $107,2662019Revenue 2020: $547,387Expenses 2020: $382,298Net Income 2020: $165,0892020Revenue 2021: $548,931Expenses 2021: $396,802Net Income 2021: $152,1292021Revenue 2022: $634,164Expenses 2022: $448,131Net Income 2022: $186,0332022Revenue 2023: $604,321Expenses 2023: $565,432Net Income 2023: $38,8892023Revenue 2024: $703,573Expenses 2024: $633,244Net Income 2024: $70,3292024Revenue 2025: $808,692Expenses 2025: $610,617Net Income 2025: $198,0752025

Highlighted filing

2014

Revenue$415,282
Expenses$383,196
Net Income$32,086
Jump To
Filing Snapshot
Filing Period
Jul 1, 2013 to Jun 30, 2014
Signed
Nov 14, 2014
Return Version
2013v3.1
Gross Receipts
$415,282
Mission and Program Overview

Mission

Rehabilitation of special needs adults.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$48,938$77,837▲ $28,899
Cash and Non-Interest-Bearing Accounts$53,830$45,345▼ $8,485
Savings and Temporary Cash Investments$35,972$35,110▼ $862
Accounts Receivable$15,633$18,069▲ $2,436
Prepaid Expenses and Deferred Charges$9,632$8,662▼ $970
Intangible Assets$5,376$4,800▼ $576
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Inventories for Sale or Use-$0-
Total Assets$169,381$189,823▲ $20,442
Other Assets Total-$0-
Liabilities
Mortgage Notes Payable Secured by Investment Property$291,706$266,108▼ $25,598
Deferred Revenue-$15,000-
Accounts Payable and Accrued Expenses$11,988$10,942▼ $1,046
Total Liabilities$303,694$292,050▼ $11,644
Net Assets / Fund Balance
Unrestricted Net Assets$-134,313$-102,227▲ $32,086
Total Net Assets Fund Balance$-134,313$-102,227▲ $32,086
Total Liabilities and Net Assets / Fund Balance$169,381$189,823▲ $20,442

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$44,109$262,318$306,427
Buildings-$156,400$156,400
Other Land Buildings$595$82,307$82,902
Equipment$9,533$14,794$24,327
Land$23,600-$23,600
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Rachel KalinExecutive directorFT$68,000$68,000
Peter CharpentierClerkPT$37,466$37,466

Board Members and Trustees

NameTitle
Charlotte MardenPresident
Cathy MardenDirector
James MardenDirector
Kevin AuldDirector
Patricia AuldDirector
Rachel KalinSecretary
Iris MardenTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$500
Program Service Revenue
$413,909
Investment Income
$873
Other Revenue
$0
All Other Contributions
$500
Change in Net Assets
$32,086
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$228,556
Other Expenses$154,490
Grants and Similar Amounts Paid$150
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$109,903$11,240-$121,143
Current Officers, Directors, Trustees, and Key Employees$34,125$34,125-$68,250
Occupancy$36,755--$36,755
Other Employee Benefits$16,162$5,091-$21,253
Payroll Taxes$13,620$4,290-$17,910
Insurance$12,607--$12,607
Interest$12,368--$12,368
Depreciation Depletion$11,176--$11,176
Travel$8,136--$8,136
Fees for Services Accounting-$7,050-$7,050
Other Expenses$2,890--$2,890
Advertising$2,828--$2,828
All Other Expenses$2,322--$2,322
Grants to Domestic Orgs$150--$150
Total Functional Expenses$321,400$61,796$0$383,196
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
No
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et

Charlotte marden is the mother of cathy marden.kevin auld is the son-in-law of charlotte marden.patricia auld is the daughter of charlotte marden and wife of kevin auld.james marden is the son of charlotte marden.iris marden is the wife of james marden.cathy marden is the daughter of charlotte marden and a client of the organization.

Form 990, Part VI, Line 11B: Form 990 Review Process

The executive director, who is a member of the board of directors reviews the form 990 before it is filed.

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

No documents available to the public.

Filing and Contact Details

Filer

EIN
04-2717961
Phone
4135282346

Signing Officer

Name
Rachel Kalin
Title
Executive Direc
Signed
2014-11-14
Discuss with paid preparer
Yes

Organization Details

Formed
1981
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
2
Employees
5

Preparer

Preparer
Barry J Clairmont
Phone
4134993733
Supplemental Narrative

Financial Statement Notes

Part IV, Line 1B: Why is organization an agent, trustee, custodian or other intermediary for contrib

The organization serves as custodian for client funds due to the client's lack of ability to handle their own funds. Clients are special needs adults.

Raw XML AppendixShowing 400 of 455 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.

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IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt05091
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt016162
IRS990/OtherEmployeeBenefitsGrp/TotalAmt021253
IRS990/OtherExpensesGrp/Desc0Food
IRS990/OtherExpensesGrp/Desc1Household
IRS990/OtherExpensesGrp/Desc2Telephone
IRS990/OtherExpensesGrp/Desc3Office supplies
IRS990/OtherExpensesGrp/ProgramServicesAmt041034
IRS990/OtherExpensesGrp/ProgramServicesAmt112824
IRS990/OtherExpensesGrp/ProgramServicesAmt24500
IRS990/OtherExpensesGrp/ProgramServicesAmt32890
IRS990/OtherExpensesGrp/TotalAmt041034
IRS990/OtherExpensesGrp/TotalAmt112824
IRS990/OtherExpensesGrp/TotalAmt24500
IRS990/OtherExpensesGrp/TotalAmt32890
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt011240
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0109903
IRS990/OtherSalariesAndWagesGrp/TotalAmt0121143
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04290
IRS990/PayrollTaxesGrp/ProgramServicesAmt013620
IRS990/PayrollTaxesGrp/TotalAmt017910
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt09632
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt08662
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Tuition for programs
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0413909
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0413909
IRS990/ProgSrvcAccomActy2Grp/Desc0CONTRIBUTIONS TO OTHER 501(C)(3) ORGANIZATIONS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0150
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt08959
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt0100
IRS990/PYInvestmentIncomeAmt094
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0185429
IRS990/PYProgramServiceRevenueAmt0374672
IRS990/PYRevenuesLessExpensesAmt0-16032
IRS990/PYSalariesCompEmpBnftPaidAmt0214228
IRS990/PYTotalExpensesAmt0399757
IRS990/PYTotalRevenueAmt0383725
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt032086
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0413909
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt035972
IRS990/SavingsAndTempCashInvstGrp/EOYAmt035110
IRS990ScheduleA/SchoolInd0X
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AdditionsDuringYearAmt028396
IRS990ScheduleD/AgentTrusteeEtcInd0true
IRS990ScheduleD/BeginningBalanceAmt02631
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0156400
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0156400
IRS990ScheduleD/DistributionsDuringYearAmt029736
IRS990ScheduleD/EndingBalanceAmt01291
IRS990ScheduleD/EquipmentGrp/BookValueAmt09533
IRS990ScheduleD/EquipmentGrp/DepreciationAmt014794
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt024327
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/LandGrp/BookValueAmt023600
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt023600
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt044109
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0262318
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0306427
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0595
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt082307
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt082902
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The organization serves as custodian for client funds due to the client's lack of ability to handle their own funds. Clients are special needs adults.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV, Line 1b: Why is organization an agent, trustee, custodian or other intermediary for contrib
IRS990ScheduleD/TotalBookValueLandBuildingsAmt077837
IRS990ScheduleE/ComplianceWithRevProc7550Ind0true
IRS990ScheduleE/DiscriminateRaceAdmissPlcyInd0false
IRS990ScheduleE/DiscriminateRaceAthltProgInd0false
IRS990ScheduleE/DiscriminateRaceEducPlcyInd0false
IRS990ScheduleE/DiscriminateRaceEmplmFcultyInd0false
IRS990ScheduleE/DiscriminateRaceOtherActyInd0false
IRS990ScheduleE/DiscriminateRaceSchsInd0false
IRS990ScheduleE/DiscriminateRaceStdntsRghtsInd0false
IRS990ScheduleE/DiscriminateRaceUseOfFcltsInd0false
IRS990ScheduleE/GovernmentFinancialAidRcvdInd0true
IRS990ScheduleE/GovernmentFinancialAidRvkdInd0false
IRS990ScheduleE/MaintainCpyOfAllSolInd0true
IRS990ScheduleE/MaintainCpyOfBrochuresEtcInd0true
IRS990ScheduleE/MaintainRacialCompRecsInd0true
IRS990ScheduleE/MaintainScholarshipsRecsInd0true
IRS990ScheduleE/NondiscriminatoryPolicyStmtInd0true
IRS990ScheduleE/PlcyPblczdViaBroadcastMediaInd0true
IRS990ScheduleE/PolicyStmtInBrochuresEtcInd0true
IRS990ScheduleE/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION RECEIVES FUNDS FOR THE SUPPORT OF SEVERAL OF ITS CLIENTS.
IRS990ScheduleE/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule E, Line 6 - Explanation of Aid or Assistance from Governmental Agency
IRS990ScheduleE/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule E, Line 3 - Racially Nondiscriminatory Policy Publicized
IRS990ScheduleE/SupplementalInformationDetail/FormAndLineReferenceDesc2Schedule E, Line 4 - Explanation of Records and Materials Not Maintained
IRS990ScheduleE/SupplementalInformationDetail/FormAndLineReferenceDesc3Schedule E, Line 5 - Explanation of Organization Discrimination by Race
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CHARLOTTE MARDEN IS THE MOTHER OF CATHY MARDEN.KEVIN AULD IS THE SON-IN-LAW OF CHARLOTTE MARDEN.PATRICIA AULD IS THE DAUGHTER OF CHARLOTTE MARDEN AND WIFE OF KEVIN AULD.JAMES MARDEN IS THE SON OF CHARLOTTE MARDEN.IRIS MARDEN IS THE WIFE OF JAMES MARDEN.CATHY MARDEN IS THE DAUGHTER OF CHARLOTTE MARDEN AND A CLIENT OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE EXECUTIVE DIRECTOR, WHO IS A MEMBER OF THE BOARD OF DIRECTORS REVIEWS THE FORM 990 BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0true
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0169381
IRS990/TotalAssetsEOYAmt0189823
IRS990/TotalAssetsGrp/BOYAmt0169381
IRS990/TotalAssetsGrp/EOYAmt0189823
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0500
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt061796

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.08$0.07$1.00$0.81$0.61$0.20
2024Detailed filing. Detailed filing data is available for this year.$0.84$0.03$0.80$0.70$0.63$0.07
2023Detailed filing. Detailed filing data is available for this year.$0.89$0.16$0.73$0.60$0.57$0.04
2022Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.74$0.05$0.69$0.63$0.45$0.19
2021Detailed filing. Detailed filing data is available for this year.$0.60$0.09$0.51$0.55$0.40$0.15
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.53$0.17$0.36$0.55$0.38$0.17
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.35$0.16$0.19$0.53$0.42$0.11
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.24$0.16$0.08$0.43$0.36$0.07
2017Detailed filing. Detailed filing data is available for this year.$0.20$0.19$0.01$0.43$0.38$0.05
2016Detailed filing. Detailed filing data is available for this year.$0.19$0.23$0.04$0.41$0.38$0.03
2015Detailed filing. Detailed filing data is available for this year.$0.19$0.26$0.07$0.43$0.40$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.19$0.29$0.10$0.42$0.38$0.03
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.17$0.30$0.13$0.38$0.40$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.22$0.34$0.12$0.33
2011Summary only. Only limited summary data is available for this year.$0.19$0.35$0.17$0.41$0.36$0.05