Civic Intelligence

Pennsylvania Certification Board

990 • Fiscal year 2020 • EIN 23-2330432

Jul 01, 2019 to Jun 30, 2020 • Filed on May 17, 2021

298 South Progress AvenueHarrisburg, PA 17109

(717) 540-4455

Siviq Scores

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

Liabilities / Assets

29th percentile

0.04x

Higher debt load relative to assets than 29% of similar nonprofits.

2020 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

35th percentile

0.09x

Higher debt load relative to revenue than 35% of similar nonprofits.

2020 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2020

Net Margin

60th percentile

8.8%

Higher net margin than 60% of similar nonprofits.

2020 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

48th percentile

$139,393

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 19.4% of source-year revenue.

2020 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2020

Asset Growth

61st percentile

9.1%

Faster asset growth than 61% of similar nonprofits.

2020 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

46th percentile

-9.9%

Faster revenue growth than 46% of similar nonprofits.

2020 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Assets

Up

$1,698,190

Up $141,867 (+9.1%) from 2019

Net Assets

Up

$1,631,630

Up $75,517 (+4.9%) from 2019

Liabilities

Up

$66,560

Up $66,350 (+31595%) from 2019

Revenue

Down

$719,156

Down $78,808 (-9.9%) from 2019

Expenses

Down

$655,828

Down $68,161 (-9.4%) from 2019

Net Income

Down

$63,328

Down $10,647 (-14%) from 2019

Historical Trend

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,128,244Liabilities 2011: $54,012Net Assets 2011: $1,074,2322011Assets 2012: $1,081,212Liabilities 2012: $2,786Net Assets 2012: $1,078,4262012Assets 2013: $1,072,561Liabilities 2013: $8,678Net Assets 2013: $1,063,8832013Assets 2014: $1,171,223Liabilities 2014: $8,244Net Assets 2014: $1,162,9792014Assets 2015: $1,162,983Liabilities 2015: $9,045Net Assets 2015: $1,153,9382015Assets 2016: $1,135,006Liabilities 2016: $1,452Net Assets 2016: $1,133,5542016Assets 2017: $1,233,733Liabilities 2017: $168Net Assets 2017: $1,233,5652017Assets 2018: $1,456,020Liabilities 2018: $196Net Assets 2018: $1,455,8242018Assets 2019: $1,556,323Liabilities 2019: $210Net Assets 2019: $1,556,1132019Assets 2020: $1,698,190Liabilities 2020: $66,560Net Assets 2020: $1,631,6302020Assets 2021: $1,872,697Liabilities 2021: $17,895Net Assets 2021: $1,854,8022021Assets 2022: $2,194,114Liabilities 2022: $22,455Net Assets 2022: $2,171,6592022Assets 2023: $2,353,338Liabilities 2023: $17,721Net Assets 2023: $2,335,6172023Assets 2024: $2,586,949Liabilities 2024: $22,227Net Assets 2024: $2,564,7222024

Highlighted filing

2020

Assets$1,698,190
Liabilities$66,560
Net Assets$1,631,630

Operations Trend

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $539,697Expenses 2011: $495,651Net Income 2011: $44,0462011Revenue 2012: $598,466Expenses 2012: $591,771Net Income 2012: $6,6952012Revenue 2013: $593,936Expenses 2013: $609,830Net Income 2013: -$15,8942013Revenue 2014: $659,364Expenses 2014: $596,681Net Income 2014: $62,6832014Revenue 2015: $616,426Expenses 2015: $640,851Net Income 2015: -$24,4252015Revenue 2016: $634,867Expenses 2016: $667,995Net Income 2016: -$33,1282016Revenue 2017: $702,097Expenses 2017: $643,191Net Income 2017: $58,9062017Revenue 2018: $860,103Expenses 2018: $655,593Net Income 2018: $204,5102018Revenue 2019: $797,964Expenses 2019: $723,989Net Income 2019: $73,9752019Revenue 2020: $719,156Expenses 2020: $655,828Net Income 2020: $63,3282020Revenue 2021: $866,840Expenses 2021: $697,168Net Income 2021: $169,6722021Revenue 2022: $852,712Expenses 2022: $745,416Net Income 2022: $107,2962022Revenue 2023: $1,037,553Expenses 2023: $828,642Net Income 2023: $208,9112023Revenue 2024: $1,076,136Expenses 2024: $832,147Net Income 2024: $243,9892024

Highlighted filing

2020

Revenue$719,156
Expenses$655,828
Net Income$63,328
Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
May 17, 2021
Return Version
2019v5.0
Gross Receipts
$719,156
Mission and Program Overview

Mission

Establish and monitor certification standards for professionals in the behavioral and community health fields. Advocate for quality, comprehensive substance abuse and other behavioral health services. Provide curricula and standards for training and education, maintain ethical standards and procedures for consumer protection and offer management and consultation services to other credentialing organizations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$830,973$859,144▲ $28,171
Savings and Temporary Cash Investments$314,747$400,276▲ $85,529
Land, Buildings, and Equipment, Net$270,071$258,235▼ $11,836
Investments in Publicly Traded Securities$124,383$133,422▲ $9,039
Intangible Assets$15,899$45,849▲ $29,950
Cash and Non-Interest-Bearing Accounts$250$886▲ $636
Accounts Receivable-$378-
Total Assets$1,556,323$1,698,190▲ $141,867
Liabilities
Other Liabilities-$54,883-
Accounts Payable and Accrued Expenses$210$11,677▲ $11,467
Total Liabilities$210$66,560▲ $66,350
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,556,113$1,631,630▲ $75,517
Total Net Assets Fund Balance$1,556,113$1,631,630▲ $75,517
Total Liabilities and Net Assets / Fund Balance$1,556,323$1,698,190▲ $141,867

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$217,430$180,812$398,242
Equipment$805$65,413$66,218
Land$40,000-$40,000
Other Securities$859,144--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mary Jo MatherExecutive DiFT$119,347$20,046$139,393

Board Members and Trustees

NameTitle
Lori SimonsPresident
Don AltemusTrustee
Jared YoungTrustee
Katrin FieserTrustee
Marcelle GiovannettiTrustee
Martha ThompsonTrustee
Paul TothTrustee
Thomas BaierSecretary
Sandra GrottolaTreasurer
Marilyn SteinVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$708,613
Investment Income
$7,053
Other Revenue
$3,490
Change in Net Assets
$63,328
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$489,105
Other Expenses$166,723
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$285,579
Current Officers, Directors, Trustees, and Key Employees---$119,347
Pension Plan Contributions---$44,866
Payroll Taxes---$32,092
All Other Expenses---$26,611
Office Expenses---$20,796
Depreciation Depletion---$16,886
Occupancy---$13,200
Other Expenses---$11,070
Other Employee Benefits---$7,221
Travel---$6,638
Insurance---$6,319
Fees for Services Accounting---$5,362
Fees for Services Legal---$3,087
Advertising---$2,611
Fees for Services Other---$2,350
Total Functional Expenses$0$0$0$655,828
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Conference Payable$53,483
Security Deposit$1,400
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

Reviewed by executive director

Form 990, Page 6, Part VI, Line 15A

Board approved within constraints of budget

Form 990, Page 6, Part VI, Line 15B

Board approved within constraints of budget

Form 990, Page 6, Part VI, Line 19

UPON REQUEST

Filing and Contact Details

Filer

Filer Name
Pennsylvania Certification Board
EIN
23-2330432
Phone
7175404455
Address
298 SOUTH PROGRESS AVENUE, HARRISBURG, PA 17109

Signing Officer

Name
Mary Jo Mather
Title
Executive Director
Phone
7175404454
Signed
2021-05-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lori Simons
Formed
1991
Legal Domicile
Pa
Voting Board Members
11
Independent Board Members
10
Employees
5

Preparer

Firm
Wiedeman & Douty Pc
Address
1993 HUMMEL AVENUE SUITE 201, CAMP HILL, PA 17011
Preparer
Tracey L Alfano-douty CPA
Phone
7177742828
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

Establish and monitor certification standards for professionals in the behavioral and community health fields. Advocate for quality, comprehensive substance abuse and other behavioral health services. Provide curricula and standards for training and education, maintain ethical standards and procedures for consumer protection and offer management and consultation services to other credentialing organizations.

Form 990, Page 2, Part III, Line 4D

Publish newsletter providing information to members on various educational workshops and seminar opportunities and counseling services. Offers management services to like kind organizations.

Form 990, Part XI, Line 9

Unrealized gains on investments 12,189

Raw XML Appendix371 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.

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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt415700
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES CURRICULA AND STANDARDS FOR TRAINING AND EDUCATION
IRS990/ProgSrvcAccomActy3Grp/Desc0APPROVAL OF EDUCATION REQUIRED FOR SUBSTANCE ABUSE CERTIFICATION.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PUBLISH NEWSLETTER PROVIDING INFORMATION TO MEMBERS ON VARIOUS EDUCATIONAL WORKSHOPS AND SEMINAR OPPORTUNITIES AND COUNSELING SERVICES. OFFERS MANAGEMENT SERVICES TO LIKE KIND ORGANIZATIONS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt05783
IRS990/PYOtherExpensesAmt0238304
IRS990/PYProgramServiceRevenueAmt0792181
IRS990/PYRevenuesLessExpensesAmt073975
IRS990/PYSalariesCompEmpBnftPaidAmt0485685
IRS990/PYTotalExpensesAmt0723989
IRS990/PYTotalRevenueAmt0797964
IRS990/ReconcilationRevenueExpnssAmt063328
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0314747
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0400276
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0217430
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0180812
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0398242
IRS990ScheduleD/EquipmentGrp/BookValueAmt0805
IRS990ScheduleD/EquipmentGrp/DepreciationAmt065413
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt066218
IRS990ScheduleD/LandGrp/BookValueAmt040000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt040000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt053483
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11400
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CONFERENCE PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SECURITY DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0859144
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ANNUITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0258235
IRS990ScheduleD/TotalBookValueSecuritiesAmt0859144
IRS990ScheduleD/TotalLiabilityAmt054883
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ESTABLISH AND MONITOR CERTIFICATION STANDARDS FOR PROFESSIONALS IN THE BEHAVIORAL AND COMMUNITY HEALTH FIELDS. ADVOCATE FOR QUALITY, COMPREHENSIVE SUBSTANCE ABUSE AND OTHER BEHAVIORAL HEALTH SERVICES. PROVIDE CURRICULA AND STANDARDS FOR TRAINING AND EDUCATION, MAINTAIN ETHICAL STANDARDS AND PROCEDURES FOR CONSUMER PROTECTION AND OFFER MANAGEMENT AND CONSULTATION SERVICES TO OTHER CREDENTIALING ORGANIZATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PUBLISH NEWSLETTER PROVIDING INFORMATION TO MEMBERS ON VARIOUS EDUCATIONAL WORKSHOPS AND SEMINAR OPPORTUNITIES AND COUNSELING SERVICES. OFFERS MANAGEMENT SERVICES TO LIKE KIND ORGANIZATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2REVIEWED BY EXECUTIVE DIRECTOR
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD APPROVED WITHIN CONSTRAINTS OF BUDGET
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BOARD APPROVED WITHIN CONSTRAINTS OF BUDGET
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6UNREALIZED GAINS ON INVESTMENTS 12,189
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01556323
IRS990/TotalAssetsEOYAmt01698190
IRS990/TotalAssetsGrp/BOYAmt01556323
IRS990/TotalAssetsGrp/EOYAmt01698190
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0655828
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0210
IRS990/TotalLiabilitiesEOYAmt066560
IRS990/TotalLiabilitiesGrp/BOYAmt0210
IRS990/TotalLiabilitiesGrp/EOYAmt066560
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01556113
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01631630
IRS990/TotalOtherCompensationAmt020046
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0400
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0400
IRS990/TotalProgramServiceRevenueAmt0708613
IRS990/TotalReportableCompFromOrgAmt0119347
IRS990/TotalRevenueGrp/ExclusionAmt07053
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0712103
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0719156
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01556323
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01698190
IRS990/TravelGrp/TotalAmt06638
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0298 SOUTH PROGRESS AVENUE
IRS990/USAddress/CityNm0HARRISBURG
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd017109
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0WWW.PACERTBOARD.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MARY JO MATHER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum07175404454
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-05-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PENNSYLVANIA CERTIFICATION BOARD
ReturnHeader/Filer/BusinessNameControlTxt0PENN
ReturnHeader/Filer/EIN0232330432
ReturnHeader/Filer/PhoneNum07175404455
ReturnHeader/Filer/USAddress/AddressLine1Txt0298 SOUTH PROGRESS AVENUE
ReturnHeader/Filer/USAddress/CityNm0HARRISBURG
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd017109
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0232933571
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WIEDEMAN & DOUTY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01993 HUMMEL AVENUE SUITE 201
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CAMP HILL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd017011
ReturnHeader/PreparerPersonGrp/PhoneNum07177742828
ReturnHeader/PreparerPersonGrp/PreparationDt02021-05-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TRACEY L ALFANO-DOUTY CPA
ReturnHeader/ReturnTs02021-05-17T18:26:08-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-07-01
ReturnHeader/TaxPeriodEndDt02020-06-30
ReturnHeader/TaxYr02019

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.$2.59$0.02$2.56$1.08$0.83$0.24
2023Detailed filing. Detailed filing data is available for this year.$2.35$0.02$2.34$1.04$0.83$0.21
2022Detailed filing. Detailed filing data is available for this year.$2.19$0.02$2.17$0.85$0.75$0.11
2021Detailed filing. Detailed filing data is available for this year.$1.87$0.02$1.85$0.87$0.70$0.17
2020Detailed filing. Detailed filing data is available for this year.$1.70$0.07$1.63$0.72$0.66$0.06
2019Detailed filing. Detailed filing data is available for this year.$1.56$0.00$1.56$0.80$0.72$0.07
2018Detailed filing. Detailed filing data is available for this year.$1.46$0.00$1.46$0.86$0.66$0.20
2017Detailed filing. Detailed filing data is available for this year.$1.23$0.00$1.23$0.70$0.64$0.06
2016Summary only. Only limited summary data is available for this year.$1.14$0.00$1.13$0.63$0.67$0.03
2015Summary only. Only limited summary data is available for this year.$1.16$0.01$1.15$0.62$0.64$0.02
2014Summary only. Only limited summary data is available for this year.$1.17$0.01$1.16$0.66$0.60$0.06
2013Summary only. Only limited summary data is available for this year.$1.07$0.01$1.06$0.59$0.61$0.02
2012Summary only. Only limited summary data is available for this year.$1.08$0.00$1.08$0.60$0.59$0.01
2011Summary only. Only limited summary data is available for this year.$1.13$0.05$1.07$0.54$0.50$0.04