Civic Intelligence

Finding Faith Inc

990EZ • Fiscal year 2015 • EIN 20-1601438

Jan 01, 2015 to Dec 31, 2015 • Filed on May 09, 2016

6625 Hwy 53 East Suite 410-53Dawsonville, GA 30534

(770) 781-4899

Siviq Scores

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

Liabilities / Assets

71st percentile

0.04x

Higher debt load relative to assets than 71% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

59th percentile

0.00x

Higher debt load relative to revenue than 59% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Net Margin

54th percentile

5.1%

Higher net margin than 54% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Top Officer Pay

75th percentile

$0

Higher top officer pay than 75% of similar nonprofits.

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

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Asset Growth

76th percentile

28%

Faster asset growth than 76% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

69th percentile

16%

Faster revenue growth than 69% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Assets

Up

$20,056

Up $4,382 (+28%) from 2014

Net Assets

Up

$19,209

Up $9,011 (+88%) from 2014

Liabilities

Down

$847

Down $4,629 (-85%) from 2014

Revenue

Up

$177,742

Up $24,850 (+16%) from 2014

Expenses

Up

$168,731

Up $20,083 (+14%) from 2014

Net Income

Up

$9,011

Up $4,767 (+112%) from 2014

Historical Trend

Balance Sheet Trend

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

$200K$150K$100K$50K$0Assets 2011: $2,543Liabilities 2011: $02011Assets 2012: $31,553Liabilities 2012: $2,0202012Assets 2013: $6,127Liabilities 2013: $1732013Assets 2014: $15,674Liabilities 2014: $5,476Net Assets 2014: $10,1982014Assets 2015: $20,056Liabilities 2015: $847Net Assets 2015: $19,2092015Assets 2016: $26,613Liabilities 2016: $2,123Net Assets 2016: $24,4902016Assets 2017: $58,213Liabilities 2017: $567Net Assets 2017: $57,6462017Assets 2018: $68,798Liabilities 2018: $417Net Assets 2018: $68,3812018Assets 2019: $113,211Liabilities 2019: $540Net Assets 2019: $112,6712019Assets 2020: $116,838Liabilities 2020: $8832020Assets 2021: $130,707Liabilities 2021: $780Net Assets 2021: $129,9272021Assets 2022: $163,137Liabilities 2022: $618Net Assets 2022: $162,5192022Assets 2023: $160,513Liabilities 2023: $1,2182023Assets 2024: $130,112Liabilities 2024: $245Net Assets 2024: $129,8672024

Highlighted filing

2015

Assets$20,056
Liabilities$847
Net Assets$19,209

Operations Trend

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

$300K$200K$100K$0-$100KRevenue 2011: $11,218Expenses 2011: $8,438Net Income 2011: $2,7802011Revenue 2012: $79,816Expenses 2012: $52,826Net Income 2012: $26,9902012Revenue 2013: $121,797Expenses 2013: $145,376Net Income 2013: -$23,5792013Revenue 2014: $152,892Expenses 2014: $148,648Net Income 2014: $4,2442014Revenue 2015: $177,742Expenses 2015: $168,731Net Income 2015: $9,0112015Revenue 2016: $189,614Expenses 2016: $184,333Net Income 2016: $5,2812016Revenue 2017: $264,179Expenses 2017: $231,023Net Income 2017: $33,1562017Revenue 2018: $248,300Expenses 2018: $237,565Net Income 2018: $10,7352018Revenue 2019: $268,483Expenses 2019: $224,193Net Income 2019: $44,2902019Revenue 2020: $172,611Expenses 2020: $169,327Net Income 2020: $3,2842020Revenue 2021: $228,364Expenses 2021: $214,392Net Income 2021: $13,9722021Revenue 2022: $229,097Expenses 2022: $196,505Net Income 2022: $32,5922022Revenue 2023: $191,886Expenses 2023: $195,110Net Income 2023: -$3,2242023Revenue 2024: $157,461Expenses 2024: $186,889Net Income 2024: -$29,4282024

Highlighted filing

2015

Revenue$177,742
Expenses$168,731
Net Income$9,011
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 9, 2016
Return Version
2015v2.0
Gross Receipts
$181,497
Mission and Program Overview

Mission

To provide assistance to children and adults with special needs so they may participate in hippotherapy and equine assisted therapy programs provided by occupational, physical and speech therapists, within their own community, in a safe, caring and fun environment in order to improve their functional capabilities and quality of life. To research and determine the needs of persons with special needs in forsyth county in order to assist in making those needs accessible and to provide necessary adaptive equipment to improve safety and function.

Program Services

DescriptionGrantsExpenses
WORKING IN THE COMMUNITY WITH THOSE IN NEED BY UTILIZING HIPPOTHERAPY, PHYSICAL AND SPEECH GROWTH FOR CHILDREN WITH SPECIAL NEEDS.$153,154-
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
NICOLE WALKERDirectorPT$0--
MELISSA WINDSORPresident-$0--
ALLISON HOGUETreasurer-$0--
AMY ADAMSSecretary-$0--
KRISTEN RUSSOBoard Member-$0--
SHAWN RAKERBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
Finding Faith Inc
EIN
20-1601438
Phone
7707814899
Address
6625 HWY 53 EAST SUITE 410-53, DAWSONVILLE, GA 30534

Signing Officer

Name
Nicole Walker
Title
Director
Signed
2016-05-09
Discuss with paid preparer
Yes

Preparer

Firm
Carroll & Company CPAs PC
Address
416 Pirkle Ferry Road Suite H-200, Cumming, GA 30040
Preparer
John Carroll
Phone
7708892468
Supplemental Narrative

Additional Explanations

Other Expenses.1001

Advertising and Promotion $686

Other Expenses.1002

Office Expenses $980

Other Expenses.1003

Information Technology $812

Other Expenses.1005

Travel $300

Other Expenses.1012

Insurance $4924

Other Expenses.1

Program expenses - animals $8040

Other Expenses.2

Payroll service fee $1210

Other Expenses.3

SUPPLIES $833

Other Expenses.5

BANK CHARGES $358

Other Expenses.7

DUES & SUBSCRIPTIONS $76

Total Liabilities.1

CREDIT CARD PAYABLE - Beginning $476 CREDIT CARD PAYABLE - Ending $847

Total Liabilities.2

LOAN FROM OFFICER - Beginning $5000 LOAN FROM OFFICER - Ending $0

Raw XML Appendix169 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/PersonNm0NICOLE WALKER
IRS990EZ/BooksInCareOfDetail/PhoneNum07707814899
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt06625 HWY 53 EAST SUITE 410-53
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0DAWSONVILLE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0GA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd030534
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt015674
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt020056
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt04250
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt09011
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01077
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form720FiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt015674
IRS990EZ/Form990TotalAssetsGrp/EOYAmt020056
IRS990EZ/FundraisingGrossIncomeAmt08095
IRS990EZ/GrossReceiptsAmt0181497
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt010198
IRS990EZ/NetAssetsOrFundBalancesEOYAmt019209
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt010198
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt019209
IRS990EZ/OccupancyRentUtltsAndMaintAmt02525
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt08.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt12.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt32.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt42.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt52.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0NICOLE WALKER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1MELISSA WINDSOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2ALLISON HOGUE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3AMY ADAMS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4KRISTEN RUSSO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5SHAWN RAKER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5BOARD MEMBER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationFiled990TInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt018219
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0TO PROVIDE ASSISTANCE TO CHILDREN AND ADULTS WITH SPECIAL NEEDS SO THEY MAY PARTICIPATE IN HIPPOTHERAPY AND EQUINE ASSISTED THERAPY PROGRAMS PROVIDED BY OCCUPATIONAL, PHYSICAL AND SPEECH THERAPISTS, WITHIN THEIR OWN COMMUNITY, IN A SAFE, CARING AND FUN ENVIRONMENT IN ORDER TO IMPROVE THEIR FUNCTIONAL CAPABILITIES AND QUALITY OF LIFE. TO RESEARCH AND DETERMINE THE NEEDS OF PERSONS WITH SPECIAL NEEDS IN FORSYTH COUNTY IN ORDER TO ASSIST IN MAKING THOSE NEEDS ACCESSIBLE AND TO PROVIDE NECESSARY ADAPTIVE EQUIPMENT TO IMPROVE SAFETY AND FUNCTION.
IRS990EZ/PrintingPublicationsPostageAmt0485
IRS990EZ/ProgramServiceRevenueAmt0169152
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0WORKING IN THE COMMUNITY WITH THOSE IN NEED BY UTILIZING HIPPOTHERAPY, PHYSICAL AND SPEECH GROWTH FOR CHILDREN WITH SPECIAL NEEDS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt0153154
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/RelatedOrgSect527OrgInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt0146425
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt03755
IRS990EZ/SpecialEventsNetIncomeLossAmt04340
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt05476
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0847
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0168731
IRS990EZ/TotalProgramServiceExpensesAmt0153154
IRS990EZ/TotalRevenueAmt0177742
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/First5Years509Ind0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt04250
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt05613
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt09863
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt00
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt09863
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt04250
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt05613
IRS990ScheduleA/Total509Grp/TotalAmt09863
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt04250
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt05613
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt09863
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Advertising and Promotion $686
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Office Expenses $980
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Information Technology $812
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Travel $300
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Insurance $4924
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PROGRAM EXPENSES - ANIMALS $8040
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6PAYROLL SERVICE FEE $1210
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7SUPPLIES $833
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BANK CHARGES $358
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9DUES & SUBSCRIPTIONS $76
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10CREDIT CARD PAYABLE - Beginning $476 CREDIT CARD PAYABLE - Ending $847
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11LOAN FROM OFFICER - Beginning $5000 LOAN FROM OFFICER - Ending $0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1001
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.1002
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.1003
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.1005
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Expenses.1012
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Expenses.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Expenses.2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other Expenses.3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Other Expenses.5
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Other Expenses.7
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Total Liabilities.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Total Liabilities.2
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0NICOLE WALKER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Director
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FINDING FAITH INC
ReturnHeader/Filer/BusinessNameControlTxt0FIND
ReturnHeader/Filer/EIN0201601438
ReturnHeader/Filer/PhoneNum07707814899
ReturnHeader/Filer/USAddress/AddressLine1Txt06625 HWY 53 EAST SUITE 410-53
ReturnHeader/Filer/USAddress/CityNm0DAWSONVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd030534
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Carroll & Company CPAs PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0416 Pirkle Ferry Road Suite H-200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Cumming
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd030040
ReturnHeader/PreparerPersonGrp/PhoneNum07708892468
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0John Carroll
ReturnHeader/ReturnTs02016-05-10T12:40:08-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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.$1.30$0.00$1.30$1.57$1.87$0.29
2023Summary only. Only limited summary data is available for this year.$1.61$0.01$1.92$1.95$0.03
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.63$0.01$1.63$2.29$1.97$0.33
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.31$0.01$1.30$2.28$2.14$0.14
2020Summary only. Only limited summary data is available for this year.$1.17$0.01$1.73$1.69$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.13$0.01$1.13$2.68$2.24$0.44
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.69$0.00$0.68$2.48$2.38$0.11
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.58$0.01$0.58$2.64$2.31$0.33
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.27$0.02$0.24$1.90$1.84$0.05
2015Detailed filing. Detailed filing data is available for this year.$0.20$0.01$0.19$1.78$1.69$0.09
2014Detailed filing. Detailed filing data is available for this year.$0.16$0.05$0.10$1.53$1.49$0.04
2013Summary only. Only limited summary data is available for this year.$0.06$0.00$1.22$1.45$0.24
2012Summary only. Only limited summary data is available for this year.$0.32$0.02$0.80$0.53$0.27
2011Summary only. Only limited summary data is available for this year.$0.03$0.00$0.11$0.08$0.03