Civic Intelligence

Inform Inc

990EZ • Fiscal year 2015 • EIN 23-7325514

Jul 01, 2014 to Jun 30, 2015 • Filed on Feb 11, 2016

Organization ProfileWWW.INFORMINC.ORG
192 32nd Street Apt 3Brookyln, NY 11232-1836

(347) 721-2278

Siviq Scores

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

Liabilities / Assets

55th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Liabilities / Revenue

55th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Net Margin

55th percentile

5.2%

Higher net margin than 55% of similar nonprofits.

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

Top Officer Pay

95th percentile

$65,108

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 64.8% of source-year revenue.

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

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2015

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2015

Balance Sheet
Liabilities / Assets55th percentile

Assets

$6,823

No earlier filing loaded for comparison.

Net Assets

$6,823

No earlier filing loaded for comparison.

Liabilities

$0

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin55th percentile

Revenue

$100,433

No earlier filing loaded for comparison.

Expenses

$95,161

No earlier filing loaded for comparison.

Net Income

$5,272

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$8.0K$6.0K$4.0K$2.0K$0Assets 2015: $6,823Liabilities 2015: $0Net Assets 2015: $6,8232015

Highlighted filing

2015

Assets$6,823
Liabilities$0
Net Assets$6,823
Open 2015 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0Revenue 2015: $100,433Expenses 2015: $95,161Net Income 2015: $5,2722015

Highlighted filing

2015

Revenue$100,433
Expenses$95,161
Net Income$5,272
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2014 to Jun 30, 2015
Signed
Feb 11, 2016
Return Version
2014v6.0
Gross Receipts
$100,433
Mission and Program Overview

Mission

Identify environmental literacy

Program Services

DescriptionGrantsExpenses
MADE STRATEGIC USE OF VIDEO AND THE WEB TO BUILD ENVIRONMENTAL LITERACY-$5,648
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
VIRGINIA RAMSEYExecutive ProducerPT$65,108-$65,108
MARINA BELESIS CASORIAChair-$0--
JEANNINE DOMINYDirector-$0--
CHRISTOPHER ELAMDirector-$0--
CHRISTIAN ETTINGERDirector-$0--
Filing and Contact Details

Filer

Filer Name
Inform Inc
EIN
23-7325514
In Care Of
% VIRGINIA RAMSEY
Phone
3477212278
Address
192 32ND STREET APT 3, BROOKYLN, NY 11232-1836

Signing Officer

Name
Virginia Ramsey
Title
President
Phone
3477212278
Signed
2016-02-11
Discuss with paid preparer
Yes

Preparer

Firm
Phillips Gold and Company Llp
Address
1430 BROADWAY 8TH FL, NEW YORK, NY 10018
Preparer
Robert Kornreich
Phone
2127301112
Supplemental Narrative

Additional Explanations

Form 990EZ Part I Line 16

“Description:BANK FEES Amount:1520”

Form 990EZ Part I Line 16

“Description:OFFICE EXPENSES Amount:322”

Form 990EZ Part I Line 16

“Description:STORAGE Amount:3270”

Form 990EZ Part I Line 16

“Description:TRAVEL AND MEETINGS Amount:1047”

Form 990EZ Part I Line 16

“Description:INTEREST AND PENALTIES Amount:53”

Form 990EZ Part I Line 16

“Description:MEALS AND ENTERTAINMENT Amount:437”

Form 990EZ Part I Line 16

“Description:OUTSIDE SERVICES Amount:17675”

Form 990EZ Part I Line 16

“Description:FUNDRAISING Amount:171”

Form 990EZ Part I Line 16

“Description:SOCIAL MEDIA Amount:3328”

Form 990EZ Part I Line 16

“Description:WEBSITE EXPENSES Amount:1420”

Raw XML Appendix207 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/BooksInCareOfDetail/PersonNm0VIRGINIA RAMSEY
IRS990EZ/BooksInCareOfDetail/PhoneNum03477272278
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0192 32ND STREET APT 3
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0BROOKLYN
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd0112321836
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt036
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt05308
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt099983
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt05272
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0501
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt01551
IRS990EZ/Form990TotalAssetsGrp/EOYAmt06823
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt0450
IRS990EZ/GrossReceiptsAmt0100433
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/GrossSalesOfInventoryAmt0450
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/LandAndBuildingsGrp/BOYAmt01515
IRS990EZ/LandAndBuildingsGrp/EOYAmt01515
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt01551
IRS990EZ/NetAssetsOrFundBalancesEOYAmt06823
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt01551
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt06823
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00.5
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt14.0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt20.5
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt30.5
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt420.0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt465108
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0MARINA BELESIS CASORIA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1JEANNINE DOMINY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2CHRISTOPHER ELAM
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3CHRISTIAN ETTINGER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4VIRGINIA RAMSEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4EXECUTIVE PRODUCER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherExpensesTotalAmt029270
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0IDENTIFY ENVIRONMENTAL LITERACY
IRS990EZ/PrintingPublicationsPostageAmt0282
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0MADE STRATEGIC USE OF VIDEO AND THE WEB TO BUILD ENVIRONMENTAL LITERACY
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt05648
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt065108
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NY
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt095161
IRS990EZ/TotalProgramServiceExpensesAmt05648
IRS990EZ/TotalRevenueAmt0100433
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.INFORMINC.ORG
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearAmt097550
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus1YearAmt095891
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus2YearsAmt0137083
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus3YearsAmt053500
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus4YearsAmt0107500
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt0491524
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt099983
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0101301
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0147643
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt088166
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0122377
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0559470
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt00
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.12145
IRS990ScheduleA/PublicSupportPY509Pct00.34960
IRS990ScheduleA/PublicSupportTotal509Amt067946
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt097550
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt095891
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt0137083
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt053500
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt0107500
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt0491524
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsPY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt099983
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0101301
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0147643
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt088166
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0122377
IRS990ScheduleA/Total509Grp/TotalAmt0559470
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt099983
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0101301
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0147643
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt088166
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0122377
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0559470
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description:BANK FEES Amount:1520
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description:OFFICE EXPENSES Amount:322
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Description:STORAGE Amount:3270
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Description:TRAVEL AND MEETINGS Amount:1047
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Description:INTEREST AND PENALTIES Amount:53
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Description:MEALS AND ENTERTAINMENT Amount:437
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Description:OUTSIDE SERVICES Amount:17675
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Description:FUNDRAISING Amount:171
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Description:SOCIAL MEDIA Amount:3328
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Description:WEBSITE EXPENSES Amount:1420
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990EZ PART I LINE 16
ReturnHeader/BuildTS02016-08-17 19:52:53Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0VIRGINIA RAMSEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03477212278
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-02-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0INFORM INC
ReturnHeader/Filer/BusinessNameControlTxt0INFO
ReturnHeader/Filer/EIN0237325514
ReturnHeader/Filer/InCareOfNm0% VIRGINIA RAMSEY
ReturnHeader/Filer/PhoneNum03477212278
ReturnHeader/Filer/USAddress/AddressLine1Txt0192 32ND STREET APT 3
ReturnHeader/Filer/USAddress/CityNm0BROOKYLN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd0112321836
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PHILLIPS GOLD AND COMPANY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01430 BROADWAY 8TH FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NEW YORK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd010018
ReturnHeader/PreparerPersonGrp/PhoneNum02127301112
ReturnHeader/PreparerPersonGrp/PreparationDt02016-02-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROBERT KORNREICH
ReturnHeader/ReturnTs02016-03-02T16:38:37-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02014-07-01
ReturnHeader/TaxPeriodEndDt02015-06-30
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,823
Liabilities
$0
Net assets
$6,823
Revenue
$100,433
Expenses
$95,161
Net income
$5,272
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$0.07$0.00$0.07$1.00$0.95$0.05