Liabilities / Assets
78th percentile
Higher debt load relative to assets than 78% of similar nonprofits.
The Interchange Institute Inc.
990EZ • Fiscal year 2017 • EIN 22-3508062
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.11x
Liabilities / Revenue
75th percentile
Higher debt load relative to revenue than 75% of similar nonprofits.
Net Margin
67th percentile
Higher net margin than 67% of similar nonprofits.
Top Officer Pay
90th percentile
Higher top officer pay than 90% of similar nonprofits.
Top officer pay equals 54.0% of source-year revenue.
Asset Growth
83rd percentile
Faster asset growth than 83% of similar nonprofits.
Revenue Growth
81st percentile
Faster revenue growth than 81% of similar nonprofits.
Balance Sheet
Assets
Up$28,351
Up $8,797 (+45%) from 2016
Net Assets
Up$25,184
Up $9,245 (+58%) from 2016
Liabilities
Down$3,167
Down $448 (-12%) from 2016
Revenue And Expenses
Revenue
Up$74,979
Up $19,912 (+36%) from 2016
Expenses
Up$65,734
Up $5,860 (+9.8%) from 2016
Net Income
Up$9,245
Up $14,052 (+292%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- Jul 26, 2018
- Return Version
- 2017v2.3
- Gross Receipts
- $83,734
Mission and Program Overview
Mission
To educate and provide assistance to individuals moving from one country to another
Program Services
| Description | Grants | Expenses |
|---|---|---|
| EDUCATION & ASSISTANCE TO INDIVIDUALS MOVING FROM ONE COUNTRY TO ANOTHER BASED ON INSTITUTE SPONSORED RESEARCH | $0 | $55,466 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| ANNE COPELAND | President | FT | $40,500 | - | $40,500 |
| JAMES WOMACK | Treasurer | - | $0 | - | - |
| JEAN SMITH | Secretary | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- The Interchange Institute
- EIN
- 22-3508062
- Phone
- 6175998950
- Address
- 492 BEACON ST 46, BOSTON, MA 02115
Signing Officer
- Name
- Anne Copeland
- Title
- President
- Phone
- 6175998950
- Signed
- 2018-07-26
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Samet & Company Pc
- Address
- 1330 BOYLSTON STREET, CHESTNUT HILL, MA 02467-2111
- Preparer
- John J Czyzewski CPA
- Phone
- 6177311222
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 7 - Sales of Inventory
“Income: gross receipts: 29,912. Returns and allowances: 0. Less cost of goods sold: 8,755. Gross profit: 21,157. Cost of goods sold: inventory at beginning of year: 0. Merchandise purchased: 0. Cost of labor: 0. Materials and supplies: 8,755. Other costs: 0. Inventory at end of year: 0. Cost of goods sold: 8,755.”
Form 990-ez, Part I, Line 16 - Other Expenses
“Description: office expense & supplies. Amount: 2,995. Description: telecommunications. Amount: 669. Description: bank and credit card fees. Amount: 1,564. Description: licenses and fees. Amount: 215. Description: payroll taxes. Amount: 3,216. Description: computer expense. Amount: 388. Description: payroll processing. Amount: 389. Description: equipment rental. Amount: 555. Description: travel. Amount: 6,584. Total to form 990-ez, line 16: 16,575.”
Form 990-ez, Part II, Line 24 - Other Assets
“Description: accounts receivable. Beg. Of year amount: 0. End of year amount: 999.”
Form 990-ez, Part II, Line 26 - Other Liabilities
“Description: accounts payable & accrued expenses. Beg. Of year amount: 3,430. End of year amount: 1,652. Description: payroll taxes payable. Beg. Of year amount: 185. End of year amount: 1,515.”
Raw XML Appendix167 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/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | ANNE COPELAND |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 6175998950 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 492 BEACON ST 46 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | BOSTON |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 02115 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 19554 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 27352 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 8755 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 9245 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 8279 |
| IRS990EZ/FiledScheduleAInd | 0 | 1 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 19554 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 28351 |
| IRS990EZ/GrossProfitLossSlsOfInvntryAmt | 0 | 21157 |
| IRS990EZ/GrossReceiptsAmt | 0 | 83734 |
| IRS990EZ/GrossSalesOfInventoryAmt | 0 | 29912 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 15939 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 25184 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 15939 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 25184 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 40.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 40500 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | ANNE COPELAND |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | JAMES WOMACK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | JEAN SMITH |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 999 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 16575 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TO EDUCATE AND PROVIDE ASSISTANCE TO INDIVIDUALS MOVING FROM ONE COUNTRY TO ANOTHER |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 380 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 53822 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | EDUCATION & ASSISTANCE TO INDIVIDUALS MOVING FROM ONE COUNTRY TO ANOTHER BASED ON INSTITUTE SPONSORED RESEARCH |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 55466 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 40500 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MA |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 3615 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 3167 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 65734 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 55466 |
| IRS990EZ/TotalRevenueAmt | 0 | 74979 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | WWW.INTERCHANGEINSTITUTE.ORG |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 1 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 3 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 4 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 83734 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 65845 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 85072 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 108649 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 102164 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 445464 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 1 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 3 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 4 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00000 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.99360 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 445464 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 83734 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 65845 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 85072 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 108649 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 102164 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 445464 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 83734 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 65845 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 85072 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 108650 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 102167 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 445468 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | INCOME: GROSS RECEIPTS: 29,912. RETURNS AND ALLOWANCES: 0. LESS COST OF GOODS SOLD: 8,755. GROSS PROFIT: 21,157. COST OF GOODS SOLD: INVENTORY AT BEGINNING OF YEAR: 0. MERCHANDISE PURCHASED: 0. COST OF LABOR: 0. MATERIALS AND SUPPLIES: 8,755. OTHER COSTS: 0. INVENTORY AT END OF YEAR: 0. COST OF GOODS SOLD: 8,755. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: OFFICE EXPENSE & SUPPLIES. AMOUNT: 2,995. DESCRIPTION: TELECOMMUNICATIONS. AMOUNT: 669. DESCRIPTION: BANK AND CREDIT CARD FEES. AMOUNT: 1,564. DESCRIPTION: LICENSES AND FEES. AMOUNT: 215. DESCRIPTION: PAYROLL TAXES. AMOUNT: 3,216. DESCRIPTION: COMPUTER EXPENSE. AMOUNT: 388. DESCRIPTION: PAYROLL PROCESSING. AMOUNT: 389. DESCRIPTION: EQUIPMENT RENTAL. AMOUNT: 555. DESCRIPTION: TRAVEL. AMOUNT: 6,584. TOTAL TO FORM 990-EZ, LINE 16: 16,575. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DESCRIPTION: ACCOUNTS RECEIVABLE. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 999. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | DESCRIPTION: ACCOUNTS PAYABLE & ACCRUED EXPENSES. BEG. OF YEAR AMOUNT: 3,430. END OF YEAR AMOUNT: 1,652. DESCRIPTION: PAYROLL TAXES PAYABLE. BEG. OF YEAR AMOUNT: 185. END OF YEAR AMOUNT: 1,515. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 7 - SALES OF INVENTORY |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE 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/BuildTS | 0 | 2018-06-14 16:35:46Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | ANNE COPELAND |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6175998950 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2018-07-26 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | THE INTERCHANGE INSTITUTE |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | INTE |
| ReturnHeader/Filer/EIN | 0 | 223508062 |
| ReturnHeader/Filer/PhoneNum | 0 | 6175998950 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 492 BEACON ST 46 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | BOSTON |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 02115 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | D40C3727BA36FC892D20ED5CD098700D9587A5D5 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | 854C304B1BE0AB28F7B4F3FCCD2E372141BA346E |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 173.166.42.113 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2018-07-26 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | ED |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 10:56:34 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 043027605 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | SAMET & COMPANY PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 1330 BOYLSTON STREET |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | CHESTNUT HILL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 024672111 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6177311222 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JOHN J CZYZEWSKI CPA |
| ReturnHeader/ReturnTs | 0 | 2018-08-15T10:42:07-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2017-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2017-12-31 |
| ReturnHeader/TaxYr | 0 | 2017 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2017 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $28,351
- Liabilities
- $3,167
- Net assets
- $25,184
- Revenue
- $74,979
- Expenses
- $65,734
- Net income
- $9,245