Civic Intelligence

Westwood Community Chest

990EZ • Fiscal year 2017 • EIN 20-0542258

Jul 01, 2016 to Jun 30, 2017 • Filed on Aug 29, 2017

PO Box 250Westwood, MA 02090

(781) 326-8990

Siviq Scores

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

Liabilities / Assets

56th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Liabilities / Revenue

56th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Net Margin

15th percentile

-21%

Higher net margin than 15% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Top Officer Pay

76th percentile

$0

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Asset Growth

28th percentile

-11%

Faster asset growth than 28% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

26th percentile

-17%

Faster revenue growth than 26% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Assets

Down

$167,930

Down $20,368 (-11%) from 2016

Net Assets

Down

$167,930

Down $20,368 (-11%) from 2016

Liabilities

Flat

$0

Flat from 2016

Revenue

Down

$96,311

Down $20,083 (-17%) from 2016

Expenses

Up

$116,679

Up $33,335 (+40%) from 2016

Net Income

Down

-$20,368

Down $53,418 (-162%) from 2016

Historical Trend

Balance Sheet Trend

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

$300K$200K$100K$0Assets 2010: $20,768Liabilities 2010: $0Net Assets 2010: $20,7682010Assets 2011: $20,617Liabilities 2011: $0Net Assets 2011: $20,6172011Assets 2012: $48,036Liabilities 2012: $0Net Assets 2012: $48,0362012Assets 2013: $79,185Liabilities 2013: $0Net Assets 2013: $79,1852013Assets 2014: $112,880Liabilities 2014: $0Net Assets 2014: $112,8802014Assets 2015: $155,248Liabilities 2015: $0Net Assets 2015: $155,2482015Assets 2016: $188,298Liabilities 2016: $0Net Assets 2016: $188,2982016Assets 2017: $167,930Liabilities 2017: $0Net Assets 2017: $167,9302017Assets 2018: $153,365Liabilities 2018: $0Net Assets 2018: $153,3652018Assets 2019: $156,867Liabilities 2019: $0Net Assets 2019: $156,8672019Assets 2020: $127,548Liabilities 2020: $0Net Assets 2020: $127,5482020Assets 2021: $176,836Liabilities 2021: $0Net Assets 2021: $176,8362021Assets 2022: $282,566Liabilities 2022: $0Net Assets 2022: $282,5662022Assets 2023: $271,378Liabilities 2023: $0Net Assets 2023: $271,3782023Assets 2024: $253,547Liabilities 2024: $0Net Assets 2024: $253,5472024Assets 2025: $209,530Liabilities 2025: $0Net Assets 2025: $209,5302025

Highlighted filing

2017

Assets$167,930
Liabilities$0
Net Assets$167,930

Operations Trend

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

$200K$100K$0-$100KRevenue 2010: $53,117Expenses 2010: $60,197Net Income 2010: -$7,0802010Revenue 2011: $56,828Expenses 2011: $56,979Net Income 2011: -$1512011Revenue 2012: $84,906Expenses 2012: $57,487Net Income 2012: $27,4192012Revenue 2013: $96,581Expenses 2013: $65,432Net Income 2013: $31,1492013Revenue 2014: $90,653Expenses 2014: $56,958Net Income 2014: $33,6952014Revenue 2015: $115,245Expenses 2015: $72,877Net Income 2015: $42,3682015Revenue 2016: $116,394Expenses 2016: $83,344Net Income 2016: $33,0502016Revenue 2017: $96,311Expenses 2017: $116,679Net Income 2017: -$20,3682017Revenue 2018: $108,888Expenses 2018: $123,453Net Income 2018: -$14,5652018Revenue 2019: $120,646Expenses 2019: $117,144Net Income 2019: $3,5022019Revenue 2020: $99,212Expenses 2020: $128,531Net Income 2020: -$29,3192020Revenue 2021: $157,877Expenses 2021: $108,589Net Income 2021: $49,2882021Revenue 2022: $192,106Expenses 2022: $91,205Net Income 2022: $100,9012022Revenue 2023: $154,833Expenses 2023: $166,021Net Income 2023: -$11,1882023Revenue 2024: $130,150Expenses 2024: $147,981Net Income 2024: -$17,8312024Revenue 2025: $125,199Expenses 2025: $169,216Net Income 2025: -$44,0172025

Highlighted filing

2017

Revenue$96,311
Expenses$116,679
Net Income-$20,368
Jump To
Filing Snapshot
Filing Period
Jul 1, 2016 to Jun 30, 2017
Signed
Aug 29, 2017
Return Version
2016v3.0
Gross Receipts
$101,199
Mission and Program Overview

Mission

Westwood community chest is a charitable organization organized to provide assistance to residents of westwood who require monetary awards for basic needs including but not limited to shelter, food, medical, clothing, educational and utility needs.

Westwood community chest is a charitable organization organized to provide assistance to to residents of westwood who require monetary and non-monetary awards for basic needs including but not limited to shelter, food, medical, clothing, educational and utility needs.

Program Services

DescriptionGrantsExpenses
FINANCIAL AWARDS PROVIDED TO MEMBERS OF THE TOWN HAVING SHORT TERM FINANCIAL DIFFICULTIES. AWARDS ARE GIVEN TO PROVIDE ASSISTANCE FOR UTILITIES, MEDICAL, RENT, CLOTHING AND OTHER NECESSITIES.$79,920$79,920
CAMPERSHIP AWARDS PROVIDED TO MEMBERS OF THE TOWN TO ENABLE APPLICANT TO SEND THEIR SCHOOL AGE CHILD TO CAMP.$28,607$28,607
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
BYRNA BORNSTEINPresident-$0--
ALICIA LAMONDAVice President-$0--
JAMES PATTONTreasurer-$0--
JOANNE DORSKYClerk-$0--
AVI GLASERDirector-$0--
KATHI FORDDirector-$0--
DANIELLE SUTTONDirector-$0--
PAUL SICARDDirector-$0--
DOTTIE POWERSDirector-$0--
KATHY KELLEHERDirector-$0--
ELENA PRICEDirector-$0--
BRIAN MORRISSEYDirector-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Chiara Restaurant Event$28,346$28,346$518$27,828
Total Events$28,346$28,346$4,888$23,458
Filing and Contact Details

Filer

Filer Name
Westwood Community Chest
EIN
20-0542258
Phone
7813268990
Address
PO BOX 250, WESTWOOD, MA 02090

Signing Officer

Name
James Patton
Title
Treasurer
Phone
7817895129
Signed
2017-08-29
Discuss with paid preparer
Yes

Preparer

Firm
Sharkansky Llp
Address
1350 BELMONT STREET, BROCKTON, MA 02301
Preparer
Scott W Estabrooks
Phone
5085842120
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16 - Other Expenses

Description: campership awards. Amount: 28,607. Description: financial assistance awards. Amount: 79,920. Description: bank fees. Amount: 128. Total to form 990-ez, line 16: 108,655.

Raw XML Appendix223 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
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IRS990EZ/BooksInCareOfDetail/PhoneNum07817895129
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0WESTWOOD
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd002090
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0BYRNA BORNSTEIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1ALICIA LAMONDA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2JAMES PATTON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JOANNE DORSKY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4AVI GLASER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5KATHI FORD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6DANIELLE SUTTON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7PAUL SICARD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8DOTTIE POWERS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9KATHY KELLEHER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm10ELENA PRICE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm11BRIAN MORRISSEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3CLERK
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt10DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt11DIRECTOR
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherEmployeePaidOver100kCnt00
IRS990EZ/OtherExpensesTotalAmt0108655
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0WESTWOOD COMMUNITY CHEST IS A CHARITABLE ORGANIZATION ORGANIZED TO PROVIDE ASSISTANCE TO TO RESIDENTS OF WESTWOOD WHO REQUIRE MONETARY AND NON-MONETARY AWARDS FOR BASIC NEEDS INCLUDING BUT NOT LIMITED TO SHELTER, FOOD, MEDICAL, CLOTHING, EDUCATIONAL AND UTILITY NEEDS.
IRS990EZ/PrintingPublicationsPostageAmt07149
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0CAMPERSHIP AWARDS PROVIDED TO MEMBERS OF THE TOWN TO ENABLE APPLICANT TO SEND THEIR SCHOOL AGE CHILD TO CAMP.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1FINANCIAL AWARDS PROVIDED TO MEMBERS OF THE TOWN HAVING SHORT TERM FINANCIAL DIFFICULTIES. AWARDS ARE GIVEN TO PROVIDE ASSISTANCE FOR UTILITIES, MEDICAL, RENT, CLOTHING AND OTHER NECESSITIES.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt028607
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt179920
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt028607
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt179920
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SchoolOperatingInd00
IRS990EZ/SpecialEventsDirectExpensesAmt04888
IRS990EZ/SpecialEventsNetIncomeLossAmt023458
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MA
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt0116679
IRS990EZ/TotalProgramServiceExpensesAmt0108527
IRS990EZ/TotalRevenueAmt096311
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationOtherInd0X
IRS990EZ/WebsiteAddressTxt0WWW.WCC.CFSITES.ORG
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt072853
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt095423
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt095342
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt072497
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt078221
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0414336
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0128965
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt0414336
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt072853
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt072497
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt078221
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0414336
IRS990ScheduleA/TotalSupportAmt0414336
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
IRS990ScheduleG/AgrmtProfFundraisingActyInd00
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt04888
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0CHIARA RESTAURANT EVENT
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt04370
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt04370
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt028346
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt028346
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt028346
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt028346
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt023458
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt0518
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt0518
IRS990ScheduleG/SpecialFundraisingEventsInd0X
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: CAMPERSHIP AWARDS. AMOUNT: 28,607. DESCRIPTION: FINANCIAL ASSISTANCE AWARDS. AMOUNT: 79,920. DESCRIPTION: BANK FEES. AMOUNT: 128. TOTAL TO FORM 990-EZ, LINE 16: 108,655.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMES PATTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07817895129
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-08-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WESTWOOD COMMUNITY CHEST
ReturnHeader/Filer/BusinessNameControlTxt0WEST
ReturnHeader/Filer/EIN0200542258
ReturnHeader/Filer/PhoneNum07813268990
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 250
ReturnHeader/Filer/USAddress/CityNm0WESTWOOD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002090
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0A669FB0B951E07DCFDD4F26DB5CFC8844D67FE24
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId00820E05F0EFBB876D26DC36FD3CC403C0826CBA1
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0173.166.60.121
ReturnHeader/FilingSecurityInformation/IPDt02017-08-29
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm011:01:51
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0042602838
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SHARKANSKY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01350 BELMONT STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BROCKTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd002301
ReturnHeader/PreparerPersonGrp/PhoneNum05085842120
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SCOTT W ESTABROOKS
ReturnHeader/ReturnTs02017-09-12T13:16:14-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02016-07-01
ReturnHeader/TaxPeriodEndDt02017-06-30
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.10$0.00$2.10$1.25$1.69$0.44
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.54$0.00$2.54$1.30$1.48$0.18
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.71$0.00$2.71$1.55$1.66$0.11
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.83$0.00$2.83$1.92$0.91$1.01
2021Detailed filing. Detailed filing data is available for this year.$1.77$0.00$1.77$1.58$1.09$0.49
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.28$0.00$1.28$0.99$1.29$0.29
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.57$0.00$1.57$1.21$1.17$0.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.53$0.00$1.53$1.09$1.23$0.15
2017Detailed filing. Detailed filing data is available for this year.$1.68$0.00$1.68$0.96$1.17$0.20
2016Detailed filing. Detailed filing data is available for this year.$1.88$0.00$1.88$1.16$0.83$0.33
2015Detailed filing. Detailed filing data is available for this year.$1.55$0.00$1.55$1.15$0.73$0.42
2014Detailed filing. Detailed filing data is available for this year.$1.13$0.00$1.13$0.91$0.57$0.34
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.79$0.00$0.79$0.97$0.65$0.31
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.48$0.00$0.48$0.85$0.57$0.27
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.21$0.00$0.21$0.57$0.57$0.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.21$0.00$0.21$0.53$0.60$0.07