Civic Intelligence

Star-Tec Enterprises Inc.

990 • Fiscal year 2013 • EIN 27-2800023

Jul 01, 2012 to Jun 30, 2013 • Filed on Feb 13, 2014

7887 Bryan Dairy Road No 22033777
Siviq Scores

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

Liabilities / Assets

81st percentile

0.47x

Higher debt load relative to assets than 81% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2013

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2013

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

50th percentile

2.2%

Faster asset growth than 50% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Up

$326,982

Up $7,043 (+2.2%) from 2012

Net Assets

Up

$173,030

Up $24,423 (+16%) from 2012

Liabilities

Down

$153,952

Down $17,380 (-10%) from 2012

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$697,078

Up $2,136 (+0.3%) from 2012

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $120,744Liabilities 2011: $34,728Net Assets 2011: $86,0162011Assets 2012: $319,939Liabilities 2012: $171,332Net Assets 2012: $148,6072012Assets 2013: $326,982Liabilities 2013: $153,952Net Assets 2013: $173,0302013Assets 2014: $294,968Liabilities 2014: $32,703Net Assets 2014: $262,2652014Assets 2015: $507,513Liabilities 2015: $127,750Net Assets 2015: $379,7632015Assets 2016: $294,446Liabilities 2016: $2,750Net Assets 2016: $291,6962016Assets 2017: $191,283Liabilities 2017: $2,778Net Assets 2017: $188,5052017Assets 2018: $50,187Liabilities 2018: $3,478Net Assets 2018: $46,7092018Assets 2019: $103,546Liabilities 2019: $12,748Net Assets 2019: $90,7982019Assets 2020: $178,393Liabilities 2020: $108,573Net Assets 2020: $69,8202020Assets 2021: $263,520Liabilities 2021: $60,012Net Assets 2021: $203,5082021Assets 2022: $200,210Liabilities 2022: $19,183Net Assets 2022: $181,0272022Assets 2023: $1,384,348Liabilities 2023: $112,360Net Assets 2023: $1,271,9882023Assets 2024: $3,123,619Liabilities 2024: $1,197,122Net Assets 2024: $1,926,4972024Assets 2025: $2,574,931Liabilities 2025: $1,116,296Net Assets 2025: $1,458,6352025

Highlighted filing

2013

Assets$326,982
Liabilities$153,952
Net Assets$173,030

Operations Trend

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

$2.0M$1.0M$0-$1.0MExpenses 2011: $646,2522011Expenses 2012: $694,9422012Expenses 2013: $697,0782013Revenue 2014: $913,007Expenses 2014: $823,772Net Income 2014: $89,2352014Revenue 2015: $870,738Expenses 2015: $771,847Net Income 2015: $98,8912015Revenue 2016: $613,503Expenses 2016: $701,570Net Income 2016: -$88,0672016Revenue 2017: $612,760Expenses 2017: $715,951Net Income 2017: -$103,1912017Revenue 2018: $427,283Expenses 2018: $569,079Net Income 2018: -$141,7962018Revenue 2019: $432,397Expenses 2019: $388,308Net Income 2019: $44,0892019Revenue 2020: $401,840Expenses 2020: $422,818Net Income 2020: -$20,9782020Revenue 2021: $536,031Expenses 2021: $402,343Net Income 2021: $133,6882021Revenue 2022: $443,885Expenses 2022: $466,366Net Income 2022: -$22,4812022Revenue 2023: $1,653,097Expenses 2023: $562,136Net Income 2023: $1,090,9612023Revenue 2024: $1,443,675Expenses 2024: $789,166Net Income 2024: $654,5092024Revenue 2025: $410,918Expenses 2025: $887,121Net Income 2025: -$476,2032025

Highlighted filing

2013

Revenue-
Expenses$697,078
Net Income-
Jump To
Filing Snapshot
Filing Period
Jul 1, 2012 to Jun 30, 2013
Signed
Feb 13, 2014
Return Version
2012v2.1
Gross Receipts
$721,501
Mission and Program Overview

Mission

To accelerate entrepreneurial success by nurturing early stage ventures that result in high wage, high tech jobs and wealth creation for the tampa bay region.

Major Activities

Activity 2
Economic gardening: a one year training and leadership development program including: in-depth research access, working with a team of specialists in marketing strategy, internet marketing strategy and business development, assistance for development and implementation of strategies, virtual collaboration center for shared interaction with the growfl specialists, once a month ceo roundtables with peers to discuss strategies around solving specific business issues and further develop strategies for growth, invitation to attend other networking and learning events throughout your engagement. - results: 17 companies - 777 jobs; $39m in labor income; $109.3m gdp/ival; $59.3m output
Activity 3
Fdt showcase: more than 200 attendees and 60 exhibitors attended the florida defense & technology showcase (fdts). Fdts is a reverse trade show where subcontractors exhibit and defense industry contractors meet new suppliers. By matching united states department of defense contractors with local subcontractors, fdts strengthens the defense and advanced manufacturing sectors by increasing local sales and developing partner and vendor relationships. Fdts was rated highly by participants and sponsors, who requested an expanded program for the coming year.
Filing and Contact Details

Filer

EIN
27-2800023
Raw XML AppendixShowing 400 of 453 raw XML fields

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IRS990/Activity2/Description0ECONOMIC GARDENING: A ONE YEAR TRAINING AND LEADERSHIP DEVELOPMENT PROGRAM INCLUDING: IN-DEPTH RESEARCH ACCESS, WORKING WITH A TEAM OF SPECIALISTS IN MARKETING STRATEGY, INTERNET MARKETING STRATEGY AND BUSINESS DEVELOPMENT, ASSISTANCE FOR DEVELOPMENT AND IMPLEMENTATION OF STRATEGIES, VIRTUAL COLLABORATION CENTER FOR SHARED INTERACTION WITH THE GROWFL SPECIALISTS, ONCE A MONTH CEO ROUNDTABLES WITH PEERS TO DISCUSS STRATEGIES AROUND SOLVING SPECIFIC BUSINESS ISSUES AND FURTHER DEVELOP STRATEGIES FOR GROWTH, INVITATION TO ATTEND OTHER NETWORKING AND LEARNING EVENTS THROUGHOUT YOUR ENGAGEMENT. - RESULTS: 17 COMPANIES - 777 JOBS; $39M IN LABOR INCOME; $109.3M GDP/IVAL; $59.3M OUTPUT
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IRS990/ActivityOther/Description0EHUB: PROGRAMS AND EVENTS WITH AN ONLINE SOCIAL COMPONENT THROUGH THE EHUB NETWORK - RESULTS: MORE THAN 600 ATTENDEES AT TECH TALK; 175 INNOVATORS/ENTREPRENEURS ASSISTED AT STARTUP XCHANGE AND IDEA CAMP; 200 ATTENDESS + 60 EXHIBITORS AT THE FLORIDA DEFENSE & TECH SHOWCASE.STARTUP STUDIO: STARTUP STUDIO 1.0 IS A HANDS-ON WORKSHOP FOR FOUNDERS TO DETERMINE THE VIABILITY OF AN IDEA OR INNOVATION WITH GUIDANCE FROM EXPERT COACHES AND FEEDBACK FROM OTHER FOUNDERS. 2.0 IS BASED ON THE KAUFFMAN FASTTRAC PROGRAMS
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IRS990/Description0ACCELERATOR PROGRAM: THE TAMPA BAY INNOVATION CENTER CREATES SUCCESSFUL ENTREPRENEURS, FOSTERS THE CREATION OF HIGH-TECH JOBS, AND DEVELOPS NEW SOURCES OF TECHNOLOGY AND MANUFACTURING CAPABILITIES BY NURTURING EARLY STAGE VENTURES AS THEY GROW AND LAUNCH THEIR PRODUCTS INTO THE MARKETPLACE. OUR PROGRAMS ARE TAILORED TO THE INNOVATOR/ENTREPRENEUR AND ADDRESS BUSINESS INTELLIGENCE, PLANNING AND BUSINESS FORMATION, STRATEGY EXECUTION, AND TECHNOLOGY TRANSITION. THE TIME FROM "MIND TO MARKET" IS A CRITICAL FACTOR FOR TODAY'S SUCCESSFUL TECHNOLOGY COMPANIES. OUR EXPERIENCED STAFF OF BUSINESS PROFESSIONALS, SERIAL ENTREPRENEURS AND ECONOMIC DEVELOPMENT PROFESSIONALS, IN ADDITION TO MORE THAN 100 HIGHLY QUALIFIED AND INTERNATIONALLY RECOGNIZED MENTORS WORK WITH OUR CLIENTS TO ENSURE THEIR SUCCESS. WORKING TOGETHER, WE HELP THEM MEET PROGRESSIVE AND PLANNED MILESTONES TO ACCELERATE THEIR BUSINESS GROWTH. SINCE OUR INCEPTION IN 2003, THE TAMPA BAY INNOVATION CENTER HAS WORKED WITH HUNDREDS OF TECHNOLOGY CLIENTS AND GRADUATED SEVERAL COMPANIES FROM ITS PROGRAMS. COLLECTIVELY, THE INNOVATION CENTER'S IN-HOUSE CLIENTS EMPLOY 100 WORKERS WITH AN AVERAGE WAGE OF OVER $60,000. THESE CLIENTS HAVE LAUNCHED OVER 70 NEW PRODUCTS, RAISED MILLIONS IN SEED CAPITAL AND GRANTS, AND HOLD MORE THAN 100 PATENTS WITH NUMEROUS MORE PENDING. INNOVATION CENTER RECOGNITION: WINNER - TAMPA BAY TECHNOLOGY FORUM'S EXCELLENCE IN SERVICE AWARD - 2012 FINALIST - TAMPA BAY TECHNOLOGY FORUM'S EXCELLENCE IN SERVICE AWARD - 2012 FEATURED IN KIPLINGER'S "10 GREAT CITIES FOR STARTING A BUSINESS" WINNER - TAMPA BAY TECHNOLOGY FORUM PROFESSIONAL SERVICES COMPANY OF THE YEAR - 2009 FEATURED IN ENTREPRENEUR.COM'S 2009 ROUNDUP OF BUSINESS INCUBATORS FINALIST - TAMPA BAY TECHNOLOGY FORUM PROFESSIONAL SERVICES COMPANY OF THE YEAR - 2008 CLIENT RECOGNITION HONORABLE MENTION - COOL TECH - 2012 (HOMELAND INTELLIGENCE TECHNOLOGIES)HONORABLE MENTION - COOL TECH - 2011 (ALTORR FREEDOM TECHNOLOGIES) GOVERNOR'S DIVERSIFICATION AWARD WINNER - 2008 (ALAKAI) WINNER TAMPA BAY TECH FORUM EMERGING TECHNOLOGY COMPANY - 2010 (ALAKAI) FINALIST TAMPA BAY TECH FORUM EMERGING TECHNOLOGY COMPANY - 2009 (ALAKAI & FIELD FORENSICS) REGIONAL INNOVATION ALLIANCE NETWORK - SUCCESS STORY - 2011 (ALAKAI) PINELLAS COUNTY EMERGING ENTREPRENEUR AWARD - 2009 (ALAKAI)
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IRS990ScheduleC/GrantsOtherOrganizations00
IRS990ScheduleC/MailingsMembers00
IRS990ScheduleC/MediaAdvertisements00
IRS990ScheduleC/NotDescribedIn501c300
IRS990ScheduleC/OtherActivities00
IRS990ScheduleC/PaidStaffOrManagement00
IRS990ScheduleC/PublicationsOrBroadcast00
IRS990ScheduleC/RalliesDemonstrations00
IRS990ScheduleC/TotalLobbyingExpendituresIIB010500
IRS990ScheduleC/Volunteers00
IRS990ScheduleD/OtherLiabilities/Amount011149
IRS990ScheduleD/OtherLiabilities/Description0CUSTOMER DEPOSITS
IRS990ScheduleD/TotalOfAmounts011149
IRS990ScheduleD/TotalOfBookValueLandBuildings00
IRS990ScheduleJ/AnyNonFixedPayments00
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/CompBasedNetEarningsFilingOrg00
IRS990ScheduleJ/CompBasedNetEarningsRelateOrgs00
IRS990ScheduleJ/CompBasedOnRevenueOfFilingOrg00
IRS990ScheduleJ/CompBasedOnRevenueRelatedOrgs00
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0143193
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg04460
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0TONYA ELMORE
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg020346
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/Title0PRESIDENT
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0167999
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/InitialContractException00
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleL/Form990ScheduleLPartIV/AmountOfTransaction032187
IRS990ScheduleL/Form990ScheduleLPartIV/DescriptionOfTransaction0PAUL'S SPOUSE IS A RECEPTIONIST FOR THE ORGANIZATION. PAUL WAS APPOINTED AS A CHAIRMAN TO OVERSEE THE OPERATION DURING THE INITIAL YEAR (THE TRANSITION PERIOD) TO ASSIST THE OFFICERS. THE HIRING OF JOAN AS A RECEPTIONIST WAS DISCLOSED TO THE BOARD OF DIRECTORS PRIOR TO SECURING HER IN THE POSITION. THE TRANSACTION WAS APPROVED BY THE BOARD OF DIRECTORS BEFORE BEING ENTERED INTO AND DOCUMENTED IN THE MINUTES.
IRS990ScheduleL/Form990ScheduleLPartIV/NameOfInterestedPerson/NamePerson0PAUL SACCO
IRS990ScheduleL/Form990ScheduleLPartIV/Relationship0FORMER CHAIRMAN (THROUGH 3/19/12)
IRS990ScheduleL/Form990ScheduleLPartIV/SharingOfRevenues00
IRS990ScheduleO/GeneralExplanation/Explanation0IN ORDER TO FACILITATE THE CORPORATION'S GOVERNANCE, SHOULD THE NUMBER OF DIRECTORS AT ANY TIME EXCEED THREE, THERE SHALL BE AN EXECUTIVE COMMITTEE OF THE BOARD WHICH SHALL EXERCISE ALL POWERS OF THE BOARD OF DIRECTORS BETWEEN MEETINGS OF THE BOARD, SUBJECT TO THE LIMITATIONS OF LAW AND THESE BYLAWS AND ANY OTHER LIMITATIONS THAT MAY BE ESTABLISHED FROM TIME TO TIME BY THE BOARD OF DIRECTORS. THE EXECUTIVE COMMITTEE SHALL IN SUCH CASE CONSIST OF THREE DIRECTORS, NAMELY, THE CHAIRPERSON OF THE BOARD (APPOINTED PURSUANT TO SECTION 3.14) AND TWO OTHER DIRECTORS APPOINTED TO SUCH COMMITTEE BY THE BOARD.
IRS990ScheduleO/GeneralExplanation/Explanation1ALL MEMBERS OF THE BOARD OF DIRECTORS ARE PROVIDED A COPY OF THE FORM 990 BEFORE FILING. THE TREASURER OF THE ORGANIZATION PERFORMS A DETAILED REVIEW OF THE RETURN BEFORE IT IS FINALIZED AND FILED.
IRS990ScheduleO/GeneralExplanation/Explanation2IN CONNECTION WITH ANY ACTUAL OR POSSIBLE CONFLICTS OF INTEREST, AN INTERESTED PERSON MUST DISCLOSE THE EXISTENCE OF HIS OR HER FINANCIAL INTEREST AND MUST BE GIVEN THE OPPORTUNITY TO DISCLOSE ALL MATERIAL FACTS TO THE DIRECTORS AND/OR THE MEMBERS OF COMMITTEES WITH BOARD DELEGATED POWERS CONSIDERING THE PROPOSED TRANSACTION OR ARRANGEMENT. EACH DIRECTOR, OFFICER AND MEMBER OF A COMMITTEE WITH BOARD DELEGATED POWERS SHALL ANNUALLY SIGN A STATEMENT WHICH AFFIRMS THAT SUCH PERSON - 1.) HAS RECEIVED A COPY OF THE CONFLICT OF INTEREST POLICY 2.) HAS READ AND UNDERSTANDS THE POLICY 3.) HAS AGREED TO COMPLY WITH THE POLICY, AND 4.) UNDERSTANDS THAT THE ORGANIZATION IS A CHARITABLE ORGANIZATION AND THAT IN ORDER TO MAINTAIN ITS FEDERAL TAX EXEMPTION IT MUST ENGAGE PRIMARILY IN ACTIVITIES WHICH ACCOMPLISH ONE OR MORE OF ITS TAX-EXEMPT PURPOSES.
IRS990ScheduleO/GeneralExplanation/Explanation3THE COMPENSATION OF THE PRESIDENT IS BASED ON THE ANNUAL SURVEY OF THE SIMILAR POSITION BY NATIONAL ORGANIZATIONS. BOARD MEMBERS WILL REVIEW THE COMPENSATION AND APPROVE IT.
IRS990ScheduleO/GeneralExplanation/Explanation4THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 1
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION C, LINE 19
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0FL
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine107887 BRYAN DAIRY ROAD NO 220
IRS990/TheBooksAreInCareOf/AddressUS/City0LARGO
IRS990/TheBooksAreInCareOf/AddressUS/State0FL
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode033777
IRS990/TheBooksAreInCareOf/NamePerson0TONYA R ELMORE
IRS990/TheBooksAreInCareOf/TelephoneNumber07275477340
IRS990/TotalAssets/BOY0319939
IRS990/TotalAssetsBOY0319939
IRS990/TotalAssets/EOY0326982
IRS990/TotalAssetsEOY0326982
IRS990/TotalCompGT150K01
IRS990/TotalContributions0542632
IRS990/TotalExpensesCurrentYear0697078
IRS990/TotalExpensesPriorYear0694942
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral0544815
IRS990/TotalFunctionalExpenses/ProgramServices0152263
IRS990/TotalFunctionalExpenses/Total0697078
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY0171332
IRS990/TotalLiabilitiesBOY0171332
IRS990/TotalLiabilities/EOY0153952
IRS990/TotalLiabilitiesEOY0153952
IRS990/TotalLiabNetAssetsFundBalances/BOY0319939
IRS990/TotalLiabNetAssetsFundBalances/EOY0326982
IRS990/TotalNbrEmployees05
IRS990/TotalNbrVolunteers065
IRS990/TotalNetAssetsFundBalances/BOY0148607
IRS990/TotalNetAssetsFundBalances/EOY0173030
IRS990/TotalOfOtherProgramServiceExp030702

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.57$1.12$1.46$0.41$0.89$0.48
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.12$1.20$1.93$1.44$0.79$0.65
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.38$0.11$1.27$1.65$0.56$1.09
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.20$0.02$0.18$0.44$0.47$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.26$0.06$0.20$0.54$0.40$0.13
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.18$0.11$0.07$0.40$0.42$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.10$0.01$0.09$0.43$0.39$0.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.05$0.00$0.05$0.43$0.57$0.14
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.19$0.00$0.19$0.61$0.72$0.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.29$0.00$0.29$0.61$0.70$0.09
2015Detailed filing. Detailed filing data is available for this year.$0.51$0.13$0.38$0.87$0.77$0.10
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.29$0.03$0.26$0.91$0.82$0.09
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.33$0.15$0.17$0.70
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.32$0.17$0.15$0.69
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.12$0.03$0.09$0.65