Civic Intelligence

Windsor County Youth Services Inc

990 • Fiscal year 2018 • EIN 22-3249987

Jul 01, 2017 to Jun 30, 2018 • Filed on Nov 28, 2018

6 Mill StreetLudlow, VT 05149

(802) 228-7783

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.02x

Higher debt load relative to assets than 32% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

25th percentile

0.02x

Higher debt load relative to revenue than 25% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Net Margin

49th percentile

2.7%

Higher net margin than 49% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

44th percentile

$48,201

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Asset Growth

59th percentile

3.6%

Faster asset growth than 59% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

70th percentile

15%

Faster revenue growth than 70% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Assets

Up

$937,113

Up $32,345 (+3.6%) from 2017

Net Assets

Up

$918,000

Up $33,430 (+3.8%) from 2017

Liabilities

Down

$19,113

Down $1,085 (-5.4%) from 2017

Revenue

Up

$1,226,506

Up $162,543 (+15%) from 2017

Expenses

Up

$1,193,076

Up $93,764 (+8.5%) from 2017

Net Income

Up

$33,430

Up $68,779 (+195%) from 2017

Historical Trend

Balance Sheet Trend

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

$1.0M$500K$0Assets 2011: $729,094Liabilities 2011: $25,171Net Assets 2011: $703,9232011Assets 2012: $797,731Liabilities 2012: $54,708Net Assets 2012: $743,0232012Assets 2013: $808,605Liabilities 2013: $34,051Net Assets 2013: $774,5542013Assets 2014: $890,905Liabilities 2014: $41,148Net Assets 2014: $849,7572014Assets 2015: $883,386Liabilities 2015: $41,363Net Assets 2015: $842,0232015Assets 2016: $933,740Liabilities 2016: $13,821Net Assets 2016: $919,9192016Assets 2017: $904,768Liabilities 2017: $20,198Net Assets 2017: $884,5702017Assets 2018: $937,113Liabilities 2018: $19,113Net Assets 2018: $918,0002018Assets 2019: $931,510Liabilities 2019: $23,630Net Assets 2019: $907,8802019Assets 2020: $898,581Liabilities 2020: $45,965Net Assets 2020: $852,6162020Assets 2021: $864,411Liabilities 2021: $395,982Net Assets 2021: $468,4292021Assets 2022: $621,522Liabilities 2022: $54,443Net Assets 2022: $567,0792022Assets 2023: $628,907Liabilities 2023: $29,634Net Assets 2023: $599,2732023Assets 2024: $944,120Liabilities 2024: $28,940Net Assets 2024: $915,1802024

Highlighted filing

2018

Assets$937,113
Liabilities$19,113
Net Assets$918,000

Operations Trend

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $950,347Expenses 2011: $858,236Net Income 2011: $92,1112011Revenue 2012: $953,034Expenses 2012: $913,934Net Income 2012: $39,1002012Revenue 2013: $980,259Expenses 2013: $948,728Net Income 2013: $31,5312013Revenue 2014: $1,045,924Expenses 2014: $970,721Net Income 2014: $75,2032014Revenue 2015: $1,005,775Expenses 2015: $1,013,509Net Income 2015: -$7,7342015Revenue 2016: $1,153,896Expenses 2016: $1,076,000Net Income 2016: $77,8962016Revenue 2017: $1,063,963Expenses 2017: $1,099,312Net Income 2017: -$35,3492017Revenue 2018: $1,226,506Expenses 2018: $1,193,076Net Income 2018: $33,4302018Revenue 2019: $1,280,123Expenses 2019: $1,290,243Net Income 2019: -$10,1202019Revenue 2020: $1,256,591Expenses 2020: $1,311,855Net Income 2020: -$55,2642020Revenue 2021: $1,045,794Expenses 2021: $1,430,489Net Income 2021: -$384,6952021Revenue 2022: $1,339,120Expenses 2022: $1,240,470Net Income 2022: $98,6502022Revenue 2023: $1,328,458Expenses 2023: $1,296,264Net Income 2023: $32,1942023Revenue 2024: $1,221,815Expenses 2024: $1,248,413Net Income 2024: -$26,5982024

Highlighted filing

2018

Revenue$1,226,506
Expenses$1,193,076
Net Income$33,430
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Nov 28, 2018
Return Version
2017v2.2
Gross Receipts
$1,226,506
Mission and Program Overview

Mission

The organization's mission is to explore, develop and implement crisis prevention and early intervention programs for youth as well as to promote awareness of new and existing resources for healthier lifestyles and decision-making for youth and their families.

Temporary Shelter and other resources for runaway teens.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$434,747$435,338▲ $591
Cash and Non-Interest-Bearing Accounts$250,045$262,152▲ $12,107
Accounts Receivable$96,168$104,539▲ $8,371
Savings and Temporary Cash Investments$102,533$102,738▲ $205
Prepaid Expenses and Deferred Charges$20,225$30,870▲ $10,645
Other Notes and Loans Receivable, Net$1,050$1,475▲ $425
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-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$904,768$937,113▲ $32,345
Other Assets Total-$1-
Liabilities
Other Liabilities$11,820$14,325▲ $2,505
Accounts Payable and Accrued Expenses$8,378$4,788▼ $3,590
Total Liabilities$20,198$19,113▼ $1,085
Net Assets / Fund Balance
Unrestricted Net Assets$884,570$918,000▲ $33,430
Total Net Assets Fund Balance$884,570$918,000▲ $33,430
Total Liabilities and Net Assets / Fund Balance$904,768$937,113▲ $32,345

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$242,925$165,709$408,634
Leasehold Improvements$138,856$19,169$158,025
Equipment$30,609$101,379$131,988
Other Land Buildings$2,948$18,697$21,645
Land$20,000-$20,000
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Jaqueline HanlonExecutive DirectorFT$48,201$48,201

Board Members and Trustees

NameTitle
Fred MarinPresident
George O ThomsonVice President
Brenda GregoryDirector
John DeanDirector
Marianna McGuffinDirector
Sandy JohnsonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$142,783
Program Service Revenue
$1,082,274
Investment Income
$736
Other Revenue
$713
All Other Contributions
$9,450
Change in Net Assets
$33,430
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$918,516
Other Expenses$274,560
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$727,636--$727,636
Occupancy$84,880--$84,880
Other Employee Benefits$65,712--$65,712
Payroll Taxes$65,341--$65,341
Current Officers, Directors, Trustees, and Key Employees$48,201--$48,201
Depreciation Depletion$25,261--$25,261
Fees for Services Accounting-$25,009-$25,009
Fees for Services Other$18,780--$18,780
Insurance$17,015--$17,015
Office Expenses$720$11,350-$12,070
Pension Plan Contributions$11,626--$11,626
Travel$8,848--$8,848
All Other Expenses$7,176$338-$7,514
Other Expenses$4,984--$4,984
Conferences and Meetings$3,749--$3,749
Advertising-$2,426-$2,426
Information Technology$842--$842
Total Functional Expenses$1,153,953$39,123$0$1,193,076
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Payroll$6,800
Payroll tax Liabilities$2,847
Credit Card Liability$2,730
Accrued Liabilities$1,948
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
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
Yes
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, Line 8: Explanation of No Contemporaneously Documentation of Meetings

We do not have any committees with authority to act on behalf of the board.

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

Form 990 is presented to the board of directors for review prior to filing.

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

Board conducted a review of comparable compensation for the position of executive director.

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

The financial statements, governing documents, and conflict of interest policy of this organization are available to the public upon request made to the administrative offices.

Filing and Contact Details

Filer

Filer Name
Windsor County Youth Services Inc
EIN
22-3249987
Phone
8022287783
Address
6 Mill Street, Ludlow, VT 05149

Signing Officer

Name
Fred Marin
Title
President
Signed
2018-11-28
Discuss with paid preparer
Yes

Organization Details

Formed
1993
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
7
Employees
35

Preparer

Firm
Joseph A Wagner CPA PLLC
Address
844 East Manchester Rd, Manchester Center, VT 05255
Preparer
Joseph A Wagner
Phone
8023629086
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01050
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01475
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt065341
IRS990/PayrollTaxesGrp/TotalAmt065341
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt011626
IRS990/PensionPlanContributionsGrp/TotalAmt011626
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt020225
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt030870
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Boarding Fees
IRS990/ProgramServiceRevenueGrp/Desc1Breakfast & Lunch Reimb
IRS990/ProgramServiceRevenueGrp/Desc2Education Fees
IRS990/ProgramServiceRevenueGrp/Desc3Emergency Beds (Shelter)
IRS990/ProgramServiceRevenueGrp/Desc4Medicaid
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09709
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt193472
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2858903
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3120190
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09709
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt193472
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2858903
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3120190
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0160001
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0735
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0222895
IRS990/PYProgramServiceRevenueAmt0903227
IRS990/PYRevenuesLessExpensesAmt0-35349
IRS990/PYSalariesCompEmpBnftPaidAmt0876417
IRS990/PYTotalExpensesAmt01099312
IRS990/PYTotalRevenueAmt01063963
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt033430
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt01082987
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0102533
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0102738
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0142783
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01063963
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01153030
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01005319
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01045608
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt04410703
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0736
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0735
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0629
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0456
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0316
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt02872
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99930
IRS990ScheduleA/PublicSupportPY170Pct00.99950
IRS990ScheduleA/PublicSupportTotal170Amt04410703
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0142783
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01063963
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01153030
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01005319
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01045608
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt04410703
IRS990ScheduleA/TotalSupportAmt04413575
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0242925
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0165709
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0408634
IRS990ScheduleD/EquipmentGrp/BookValueAmt030609
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0101379
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0131988
IRS990ScheduleD/LandGrp/BookValueAmt020000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt020000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0138856
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt019169
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0158025
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02948
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt018697
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt021645
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01948
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt16800
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22730
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32847
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Accrued Liabilities
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Payroll
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Credit Card Liability
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Payroll tax Liabilities
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0435338
IRS990ScheduleD/TotalLiabilityAmt014325
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We do not have any committees with authority to act on behalf of the board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Form 990 is presented to the board of directors for review prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Board conducted a review of comparable compensation for the position of executive director.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The financial statements, governing documents, and conflict of interest policy of this organization are available to the public upon request made to the administrative offices.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 8: Explanation of No Contemporaneously Documentation of Meetings
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0904768
IRS990/TotalAssetsEOYAmt0937113
IRS990/TotalAssetsGrp/BOYAmt0904768
IRS990/TotalAssetsGrp/EOYAmt0937113
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0142783
IRS990/TotalEmployeeCnt035
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt039123
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01153953
IRS990/TotalFunctionalExpensesGrp/TotalAmt01193076
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt020198
IRS990/TotalLiabilitiesEOYAmt019113
IRS990/TotalLiabilitiesGrp/BOYAmt020198
IRS990/TotalLiabilitiesGrp/EOYAmt019113

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.94$0.03$0.92$1.22$1.25$0.03
2023Detailed filing. Detailed filing data is available for this year.$0.63$0.03$0.60$1.33$1.30$0.03
2022Detailed filing. Detailed filing data is available for this year.$0.62$0.05$0.57$1.34$1.24$0.10
2021Detailed filing. Detailed filing data is available for this year.$0.86$0.40$0.47$1.05$1.43$0.38
2020Detailed filing. Detailed filing data is available for this year.$0.90$0.05$0.85$1.26$1.31$0.06
2019Detailed filing. Detailed filing data is available for this year.$0.93$0.02$0.91$1.28$1.29$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.94$0.02$0.92$1.23$1.19$0.03
2017Detailed filing. Detailed filing data is available for this year.$0.90$0.02$0.88$1.06$1.10$0.04
2016Detailed filing. Detailed filing data is available for this year.$0.93$0.01$0.92$1.15$1.08$0.08
2015Detailed filing. Detailed filing data is available for this year.$0.88$0.04$0.84$1.01$1.01$0.01
2014Summary only. Only limited summary data is available for this year.$0.89$0.04$0.85$1.05$0.97$0.08
2013Summary only. Only limited summary data is available for this year.$0.81$0.03$0.77$0.98$0.95$0.03
2012Summary only. Only limited summary data is available for this year.$0.80$0.05$0.74$0.95$0.91$0.04
2011Summary only. Only limited summary data is available for this year.$0.73$0.03$0.70$0.95$0.86$0.09