Civic Intelligence

Mostly Music Inc.

990EZ • Fiscal year 2016 • EIN 22-2342095

Apr 01, 2015 to Mar 31, 2016 • Filed on Feb 02, 2016

C/O E Israelow PO Box 715Westfield, NJ 07090

(973) 715-7841

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2016

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2016

Net Margin

15th percentile

-21%

Higher net margin than 15% of similar nonprofits.

2016 filings • NTEE A • <$500k nonprofits • Source year 2016

Top Officer Pay

69th percentile

$0

Higher top officer pay than 69% of similar nonprofits.

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

2016 filings • NTEE A • <$500k nonprofits • Source year 2016

Asset Growth

21st percentile

-18%

Faster asset growth than 21% of similar nonprofits.

2016 filings • NTEE A • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

80th percentile

34%

Faster revenue growth than 80% of similar nonprofits.

2016 filings • NTEE A • <$500k nonprofits • Annualized from 2015 to 2016

Assets

Down

$96,990

Down $21,972 (-18%) from 2015

Net Assets

Down

$96,990

Down $21,972 (-18%) from 2015

Liabilities

-

No earlier filing loaded for comparison.

Revenue

Up

$102,727

Up $26,200 (+34%) from 2015

Expenses

Up

$124,699

Up $39,728 (+47%) from 2015

Net Income

Down

-$21,972

Down $13,528 (-160%) from 2015

Historical Trend

Balance Sheet Trend

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

$150K$100K$50K$0Assets 2012: $114,947Liabilities 2012: $02012Assets 2013: $110,774Net Assets 2013: $110,7742013Assets 2014: $127,406Net Assets 2014: $127,4062014Assets 2015: $118,962Net Assets 2015: $118,9622015Assets 2016: $96,990Net Assets 2016: $96,9902016Assets 2017: $68,229Net Assets 2017: $68,2292017Assets 2018: $55,643Net Assets 2018: $55,6432018Assets 2019: $66,285Liabilities 2019: $0Net Assets 2019: $66,2852019Assets 2020: $65,568Liabilities 2020: $0Net Assets 2020: $65,5682020Assets 2021: $65,242Liabilities 2021: $0Net Assets 2021: $65,2422021Assets 2022: $72,217Liabilities 2022: $0Net Assets 2022: $72,2172022Assets 2023: $69,026Liabilities 2023: $0Net Assets 2023: $69,0262023Assets 2024: $76,970Liabilities 2024: $0Net Assets 2024: $76,9702024Assets 2025: $90,399Liabilities 2025: $0Net Assets 2025: $90,3992025

Highlighted filing

2016

Assets$96,990
Liabilities-
Net Assets$96,990

Operations Trend

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

$150K$100K$50K$0-$50KRevenue 2012: $86,190Expenses 2012: $82,405Net Income 2012: $3,7852012Revenue 2013: $86,540Expenses 2013: $90,713Net Income 2013: -$4,1732013Revenue 2014: $107,105Expenses 2014: $90,473Net Income 2014: $16,6322014Revenue 2015: $76,527Expenses 2015: $84,971Net Income 2015: -$8,4442015Revenue 2016: $102,727Expenses 2016: $124,699Net Income 2016: -$21,9722016Revenue 2017: $38,206Expenses 2017: $66,967Net Income 2017: -$28,7612017Revenue 2018: $58,323Expenses 2018: $70,909Net Income 2018: -$12,5862018Revenue 2019: $65,153Expenses 2019: $54,511Net Income 2019: $10,6422019Revenue 2020: $48,685Expenses 2020: $46,351Net Income 2020: $2,3342020Revenue 2021: $6,358Expenses 2021: $6,684Net Income 2021: -$3262021Revenue 2022: $63,641Expenses 2022: $56,666Net Income 2022: $6,9752022Revenue 2023: $60,373Expenses 2023: $68,234Net Income 2023: -$7,8612023Revenue 2024: $80,560Expenses 2024: $72,616Net Income 2024: $7,9442024Revenue 2025: $90,058Expenses 2025: $76,629Net Income 2025: $13,4292025

Highlighted filing

2016

Revenue$102,727
Expenses$124,699
Net Income-$21,972
Jump To
Filing Snapshot
Filing Period
Apr 1, 2015 to Mar 31, 2016
Signed
Feb 2, 2016
Return Version
2015v3.0
Gross Receipts
$102,727
Mission and Program Overview

Mission

CHAMBER MUSIC PROGRAMS

Program Services

DescriptionGrantsExpenses
CHAMBER MUSIC PROGRAMS FOR ENJOYMENT OF THOSE ATTENDING CONCERTS-$117,941
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
STEPHEN ROTHMANPresident &-$0--
EDWARD ISRAELOWTreas & Trus-$0--
STEPHEN BARCANSecretary &-$0--
ALLEN COHENTrustee-$0--
MARYLOU FACHERTrustee-$0--
ARLENE GARDNERTrustee-$0--
SUSAN GOODTrustee-$0--
LINDA ROTHMANTrustee-$0--
Filing and Contact Details

Filer

Filer Name
Mostly Music Inc
EIN
22-2342095
Phone
9737157841
Address
C/O E ISRAELOW PO BOX 715, WESTFIELD, NJ 07090

Signing Officer

Name
Stephen Rothman
Title
President & Trustee
Phone
2127172054
Signed
2016-02-02
Discuss with paid preparer
Yes

Preparer

Firm
Wasserbrettlerklar & Lipstein Llp CPA
Address
132 NASSAU STREET SUITE 300, NEW YORK, NY 10038
Preparer
Michael Lipstein
Phone
2129626100
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

Expenses advertising 1,804 office 1,102 musicians 84,150 custodial expenses 5,820 rent 5,400 instrument rental 4,193 insurance 4,074 auto 2,379 refreshments 1,886 gifts 1,596 database 907 website maintenance 200 telephone 1,359 commissions and fees 98 bookkeeping 2,025 quickbook fees 296 miscellaneous 69 total 117,358

Form 990-ez, Part II, Line 24

Website 2,150 2,150 less accumulated amortization 215 645 total 1,935 1,505

Raw XML Appendix172 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/AddressChangeInd0X
IRS990EZ/BooksInCareOfDetail/PersonNm0ELEANOR WINSLOW
IRS990EZ/BooksInCareOfDetail/PhoneNum09737628486
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt016 SOUTH CRESCENT CIRCLE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0MAPLEWOOD
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NJ
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd007040
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0117027
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt095485
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt032030
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-21972
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01750
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0118962
IRS990EZ/Form990TotalAssetsGrp/EOYAmt096990
IRS990EZ/GrossReceiptsAmt0102727
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt064
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0118962
IRS990EZ/NetAssetsOrFundBalancesEOYAmt096990
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0118962
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt096990
IRS990EZ/OccupancyRentUtltsAndMaintAmt0430
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt03.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt13.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt32.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt42.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt52.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt62.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt72.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0STEPHEN ROTHMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1EDWARD ISRAELOW
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2STEPHEN BARCAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3ALLEN COHEN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4MARYLOU FACHER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5ARLENE GARDNER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6SUSAN GOOD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7LINDA ROTHMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT &
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1TREAS & TRUS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY &
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7TRUSTEE
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt01935
IRS990EZ/OtherAssetsTotalDetail/EOYAmt01505
IRS990EZ/OtherExpensesTotalAmt0117358
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0true
IRS990EZ/PrimaryExemptPurposeTxt0CHAMBER MUSIC PROGRAMS
IRS990EZ/PrintingPublicationsPostageAmt05161
IRS990EZ/ProgramServiceRevenueAmt070633
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0CHAMBER MUSIC PROGRAMS FOR ENJOYMENT OF THOSE ATTENDING CONCERTS
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0117941
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NJ
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0124699
IRS990EZ/TotalProgramServiceExpensesAmt0117941
IRS990EZ/TotalRevenueAmt0102727
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0MOSTLYMUSIC. ORG
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt032030
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt023075
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt048480
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt019534
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt018768
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0141887
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt064
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt063
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0124
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0242
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0245
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt0738
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/CurrentTaxYearAmt070633
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/CurrentTaxYearMinus1YearAmt053389
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/CurrentTaxYearMinus2YearsAmt058501
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/CurrentTaxYearMinus3YearsAmt066764
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/CurrentTaxYearMinus4YearsAmt067177
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt0316464
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt064
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt063
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0124
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0242
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0245
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0738
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99840
IRS990ScheduleA/PublicSupportPY509Pct00.99760
IRS990ScheduleA/PublicSupportTotal509Amt0458351
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0102663
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt076464
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0106981
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt086298
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt085945
IRS990ScheduleA/Total509Grp/TotalAmt0458351
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0102727
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt076527
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0107105
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt086540
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt086190
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0459089
IRS990ScheduleC/CorrectionMadeInd0false
IRS990ScheduleC/Form4720FiledSection4955TaxInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES ADVERTISING 1,804 OFFICE 1,102 MUSICIANS 84,150 CUSTODIAL EXPENSES 5,820 RENT 5,400 INSTRUMENT RENTAL 4,193 INSURANCE 4,074 AUTO 2,379 REFRESHMENTS 1,886 GIFTS 1,596 DATABASE 907 WEBSITE MAINTENANCE 200 TELEPHONE 1,359 COMMISSIONS AND FEES 98 BOOKKEEPING 2,025 QUICKBOOK FEES 296 MISCELLANEOUS 69 TOTAL 117,358
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1WEBSITE 2,150 2,150 LESS ACCUMULATED AMORTIZATION 215 645 TOTAL 1,935 1,505
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 24
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEPHEN ROTHMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum02127172054
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-02-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MOSTLY MUSIC INC
ReturnHeader/Filer/BusinessNameControlTxt0MOST
ReturnHeader/Filer/EIN0222342095
ReturnHeader/Filer/PhoneNum09737157841
ReturnHeader/Filer/USAddress/AddressLine1Txt0C/O E ISRAELOW PO BOX 715
ReturnHeader/Filer/USAddress/CityNm0WESTFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007090
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0132659310
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WASSERBRETTLERKLAR & LIPSTEIN LLP CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0132 NASSAU STREET SUITE 300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NEW YORK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd010038
ReturnHeader/PreparerPersonGrp/PhoneNum02129626100
ReturnHeader/PreparerPersonGrp/PreparationDt02017-02-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL LIPSTEIN
ReturnHeader/ReturnTs02017-02-14T15:11:17-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02015-04-01
ReturnHeader/TaxPeriodEndDt02016-03-31
ReturnHeader/TaxYr02015

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.$0.90$0.00$0.90$0.90$0.77$0.13
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.77$0.00$0.77$0.81$0.73$0.08
2023Detailed filing. Detailed filing data is available for this year.$0.69$0.00$0.69$0.60$0.68$0.08
2022Detailed filing. Detailed filing data is available for this year.$0.72$0.00$0.72$0.64$0.57$0.07
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.65$0.00$0.65$0.06$0.07$0.00
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.66$0.00$0.66$0.49$0.46$0.02
2019Detailed filing. Detailed filing data is available for this year.$0.66$0.00$0.66$0.65$0.55$0.11
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.56$0.56$0.58$0.71$0.13
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.68$0.68$0.38$0.67$0.29
2016Detailed filing. Detailed filing data is available for this year.$0.97$0.97$1.03$1.25$0.22
2015Detailed filing. Detailed filing data is available for this year.$1.19$1.19$0.77$0.85$0.08
2014Detailed filing. Detailed filing data is available for this year.$1.27$1.27$1.07$0.90$0.17
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.11$1.11$0.87$0.91$0.04
2012Summary only. Only limited summary data is available for this year.$1.15$0.00$0.86$0.82$0.04