Civic Intelligence

Protected Harbor Inc.

990 • Fiscal year 2020 • EIN 04-3612539

Jan 01, 2020 to Dec 31, 2020 • Filed on Jun 22, 2022

PO Box 771441Naples, FL 34107

(239) 405-7974

Siviq Scores

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

Liabilities / Assets

41st percentile

0.05x

Higher debt load relative to assets than 41% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

50th percentile

0.14x

Higher debt load relative to revenue than 50% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Net Margin

15th percentile

-22%

Higher net margin than 15% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2020

Asset Growth

17th percentile

-4.1%

Faster asset growth than 17% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

59th percentile

5.3%

Faster revenue growth than 59% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Assets

Down

$1,475,304

Down $63,791 (-4.1%) from 2019

Net Assets

Down

$1,398,067

Down $122,619 (-8.1%) from 2019

Liabilities

Up

$77,237

Up $58,828 (+320%) from 2019

Revenue

Up

$569,146

Up $28,391 (+5.3%) from 2019

Expenses

Up

$691,765

Up $133,606 (+24%) from 2019

Net Income

Down

-$122,619

Down $105,215 (-605%) from 2019

Historical Trend

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0Assets 2011: $220,681Liabilities 2011: $02011Assets 2012: $262,646Liabilities 2012: $02012Assets 2013: $589,383Liabilities 2013: $0Net Assets 2013: $589,3832013Assets 2014: $731,912Liabilities 2014: $0Net Assets 2014: $731,9122014Assets 2015: $833,292Liabilities 2015: $0Net Assets 2015: $833,2922015Assets 2016: $927,327Liabilities 2016: $4,947Net Assets 2016: $922,3802016Assets 2017: $1,413,563Liabilities 2017: $0Net Assets 2017: $1,413,5632017Assets 2018: $1,548,976Liabilities 2018: $10,886Net Assets 2018: $1,538,0902018Assets 2019: $1,539,095Liabilities 2019: $18,409Net Assets 2019: $1,520,6862019Assets 2020: $1,475,304Liabilities 2020: $77,237Net Assets 2020: $1,398,0672020Assets 2021: $1,653,464Liabilities 2021: $37,725Net Assets 2021: $1,615,7392021Assets 2022: $2,044,647Liabilities 2022: $11,757Net Assets 2022: $2,032,8902022Assets 2023: $2,060,649Liabilities 2023: $125,925Net Assets 2023: $1,934,7242023Assets 2024: $2,063,389Liabilities 2024: $133,295Net Assets 2024: $1,930,0942024

Highlighted filing

2020

Assets$1,475,304
Liabilities$77,237
Net Assets$1,398,067

Operations Trend

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $37,551Expenses 2011: $58,519Net Income 2011: -$20,9682011Revenue 2012: $153,477Expenses 2012: $111,512Net Income 2012: $41,9652012Revenue 2013: $554,201Expenses 2013: $227,463Net Income 2013: $326,7382013Revenue 2014: $104,049Expenses 2014: $52,066Net Income 2014: $51,9832014Revenue 2015: $320,440Expenses 2015: $223,528Net Income 2015: $96,9122015Revenue 2016: $333,059Expenses 2016: $240,048Net Income 2016: $93,0112016Revenue 2017: $781,323Expenses 2017: $297,986Net Income 2017: $483,3372017Revenue 2018: $575,435Expenses 2018: $449,870Net Income 2018: $125,5652018Revenue 2019: $540,755Expenses 2019: $558,159Net Income 2019: -$17,4042019Revenue 2020: $569,146Expenses 2020: $691,765Net Income 2020: -$122,6192020Revenue 2021: $903,418Expenses 2021: $685,746Net Income 2021: $217,6722021Revenue 2022: $1,303,945Expenses 2022: $886,794Net Income 2022: $417,1512022Revenue 2023: $831,967Expenses 2023: $930,133Net Income 2023: -$98,1662023Revenue 2024: $1,131,924Expenses 2024: $1,136,554Net Income 2024: -$4,6302024

Highlighted filing

2020

Revenue$569,146
Expenses$691,765
Net Income-$122,619
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jun 22, 2022
Return Version
2020v4.0
Gross Receipts
$573,616
Mission and Program Overview

Mission

Build and operate homes for developmentally disadvantaged adults

Build and operate group homes for developmentally disadvantaged adults

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$907,130$889,502▼ $17,628
Savings and Temporary Cash Investments$521,469$479,967▼ $41,502
Cash and Non-Interest-Bearing Accounts$96,396$77,613▼ $18,783
Accounts Receivable$3,501$11,400▲ $7,899
Prepaid Expenses and Deferred Charges$10,599$10,930▲ $331
Total Assets$1,539,095$1,475,304▼ $63,791
Other Assets Total-$5,892-
Liabilities
Unsecured Notes Loans Payable-$67,714-
Accounts Payable and Accrued Expenses$18,409$9,523▼ $8,886
Total Liabilities$18,409$77,237▲ $58,828
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,125,691$987,301▼ $138,390
Net Assets With Donor Restrictions$394,995$410,766▲ $15,771
Total Net Assets Fund Balance$1,520,686$1,398,067▼ $122,619
Total Liabilities and Net Assets / Fund Balance$1,539,095$1,475,304▼ $63,791

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$691,304$55,515$746,819
Equipment$66,817$62,064$128,881
Land$131,381-$86,923
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Board Members and Trustees

NameTitle
Jeffrey BuchholzDirector & President
David HammerstromDirector
Joe BareDirector
Joe GandolfoDirector
Pat EllisDirector
Robert SchubringDirector
Tanya CroyDirector
Alyssa HayesDirector & Secr
Roy RiceDirector & Treas
Peter HoneDirector & VP
Revenue and Support

Revenue Composition

Contributions and Grants
$81,033
Program Service Revenue
$450,525
Investment Income
$9,823
Other Revenue
$27,765
All Other Contributions
$56,033
Change in Net Assets
$-122,619

Audited Revenue Reconciliation

Revenue per Audited Statements
$569,146
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$4,470
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$573,616
Total Revenue per Form 990
$569,146
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$470,026
Other Expenses$221,739
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$395,090--$395,090
Fees for Services Management-$50,196$0$50,196
Other Employee Benefits$40,022--$40,022
Depreciation Depletion$31,971--$31,971
Payroll Taxes$30,795--$30,795
Insurance$25,840--$25,840
Other Expenses$12,459$3,278$0$15,737
Fees for Services Accounting-$8,709-$8,709
Office Expenses$2,910$3,604-$6,514
Pension Plan Contributions$4,119--$4,119
Information Technology$1,504--$1,504
Conferences and Meetings$223--$223
Fees for Services Legal-$199-$199
Total Functional Expenses$625,779$65,986$0$691,765

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$696,235
Expenses per Audited Statements$691,765
Total Expenses per Form 990$691,765
Expenses Not Reported on Form 990$4,470
Expenses Not Reported on Financial Statements$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$32,235
Fundraising Direct Expenses$4,470
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Luncheon$32,235$32,235$4,470$27,765
Total Events$32,235$32,235$4,470$27,765
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 8A

Minutes are taken at all board meetings and distributed to all directors before the next meeting. Minutes are taken at most committee meetings and are distributed to members.

Form 990, Part VI, Section B, Line 11B

The return is prepared by the treasurer who is a retired CPA and review by the executive director.

Form 990, Part VI, Section C, Line 19

Governing documents and financials are made available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Protected Harbor Inc
EIN
04-3612539
Phone
2394057974
Address
PO BOX 771441, NAPLES, FL 34107

Signing Officer

Name
Roy Rice
Title
Treasurer
Phone
2394057974
Signed
2022-06-22

Organization Details

Principal Officer
Jeff Buchholz
Formed
2002
Legal Domicile
Fl
Voting Board Members
10
Independent Board Members
10
Employees
13
Volunteers
10
Supplemental Narrative

Financial Statement Notes

Schedule D, Part XI, Line 2D

Miscellaneous reclassification

Schedule D, Part XII, Line 2D

Miscellaneous reclassification

Raw XML AppendixShowing 400 of 555 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/OtherExpensesGrp/ProgramServicesAmt028366
IRS990/OtherExpensesGrp/ProgramServicesAmt148988
IRS990/OtherExpensesGrp/ProgramServicesAmt23492
IRS990/OtherExpensesGrp/ProgramServicesAmt312459
IRS990/OtherExpensesGrp/TotalAmt028366
IRS990/OtherExpensesGrp/TotalAmt148988
IRS990/OtherExpensesGrp/TotalAmt23492
IRS990/OtherExpensesGrp/TotalAmt315737
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0395090
IRS990/OtherSalariesAndWagesGrp/TotalAmt0395090
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt030795
IRS990/PayrollTaxesGrp/TotalAmt030795
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt04119
IRS990/PensionPlanContributionsGrp/TotalAmt04119
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt010599
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt010930
IRS990/PrincipalOfficerNm0JEFF BUCHHOLZ
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0623210
IRS990/ProgramServiceRevenueGrp/Desc0Medicaid, Room & Board
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0450525
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0450525
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt075908
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05702
IRS990/PYOtherExpensesAmt0237532
IRS990/PYOtherRevenueAmt035086
IRS990/PYProgramServiceRevenueAmt0424059
IRS990/PYRevenuesLessExpensesAmt0-17404
IRS990/PYSalariesCompEmpBnftPaidAmt0320627
IRS990/PYTotalExpensesAmt0558159
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0540755
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-122619
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0450525
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0521469
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0479967
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearAmt011967
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus1YearAmt07885
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus2YearsAmt04200
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus3YearsAmt022200
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus4YearsAmt08040
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt054292
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt081033
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt075908
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0270743
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0541118
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt091591
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01060393
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt09823
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt05702
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt05070
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt02476
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt010628
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt033699
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0450525
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0424059
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0293466
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0237138
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0230919
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt01636107
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt09823
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt05702
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt05070
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt02476
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt010628
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt033699
IRS990ScheduleA/InvestmentIncomeCYPct00.01234
IRS990ScheduleA/InvestmentIncomePYPct00.009
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.93070
IRS990ScheduleA/PublicSupportPY509Pct00.9386
IRS990ScheduleA/PublicSupportTotal509Amt02541004
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt029875
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt047384
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt022997
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt047200
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt08040
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt0155496
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearAmt017908
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus1YearAmt039499
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus2YearsAmt018797
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus3YearsAmt025000
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt0101204
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0531558
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0499967
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0564209
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0778256
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0322510
IRS990ScheduleA/Total509Grp/TotalAmt02696500
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0541381
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0505669
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0569279
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0780732
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0333138
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt02730199
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/BuildingsGrp/BookValueAmt0691304
IRS990ScheduleD/BuildingsGrp/DepreciationAmt055515
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0746819
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.06$0.13$1.93$1.13$1.14$0.00
2023Detailed filing. Detailed filing data is available for this year.$2.06$0.13$1.93$0.83$0.93$0.10
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.04$0.01$2.03$1.30$0.89$0.42
2021Detailed filing. Detailed filing data is available for this year.$1.65$0.04$1.62$0.90$0.69$0.22
2020Detailed filing. Detailed filing data is available for this year.$1.48$0.08$1.40$0.57$0.69$0.12
2019Summary only. Only limited summary data is available for this year.$1.54$0.02$1.52$0.54$0.56$0.02
2018Summary only. Only limited summary data is available for this year.$1.55$0.01$1.54$0.58$0.45$0.13
2017Summary only. Only limited summary data is available for this year.$1.41$0.00$1.41$0.78$0.30$0.48
2016Summary only. Only limited summary data is available for this year.$0.93$0.00$0.92$0.33$0.24$0.09
2015Summary only. Only limited summary data is available for this year.$0.83$0.00$0.83$0.32$0.22$0.10
2014Summary only. Only limited summary data is available for this year.$0.73$0.00$0.73$0.10$0.05$0.05
2013Summary only. Only limited summary data is available for this year.$0.59$0.00$0.59$0.55$0.23$0.33
2012Summary only. Only limited summary data is available for this year.$0.26$0.00$0.15$0.11$0.04
2011Summary only. Only limited summary data is available for this year.$0.22$0.00$0.04$0.06$0.02