Civic Intelligence

Leisure Hour Club

990EZ • Fiscal year 2018 • EIN 38-1269013

Jan 01, 2018 to Dec 31, 2018 • Filed on May 13, 2019

Organization ProfileN/A
211 Market PlAlbion, MI 49224

(517) 629-9710

Siviq Scores

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

Liabilities / Assets

95th percentile

0.84x

Higher debt load relative to assets than 95% of similar nonprofits.

2018 filings • 501(c)7 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

96th percentile

1.47x

Higher debt load relative to revenue than 96% of similar nonprofits.

2018 filings • 501(c)7 • <$500k nonprofits • Source year 2018

Net Margin

22nd percentile

-8.2%

Higher net margin than 22% of similar nonprofits.

2018 filings • 501(c)7 • <$500k nonprofits • Source year 2018

Top Officer Pay

93rd percentile

$0

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2018 filings • 501(c)7 • <$500k nonprofits • Source year 2018

Asset Growth

74th percentile

14%

Faster asset growth than 74% of similar nonprofits.

2018 filings • 501(c)7 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

32nd percentile

-6.9%

Faster revenue growth than 32% of similar nonprofits.

2018 filings • 501(c)7 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$61,414

Up $7,364 (+14%) from 2017

Net Assets

$10,117

No earlier filing loaded for comparison.

Liabilities

Up

$51,297

Up $2,538 (+5.2%) from 2017

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin22nd percentile

Revenue

Down

$34,796

Down $2,583 (-6.9%) from 2017

Expenses

Up

$37,644

Up $5,556 (+17%) from 2017

Net Income

Down

-$2,848

Down $8,139 (-154%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth74th percentile

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

$80K$60K$40K$20K$0Assets 2017: $54,050Liabilities 2017: $48,7592017Assets 2018: $61,414Liabilities 2018: $51,297Net Assets 2018: $10,1172018Assets 2019: $59,067Liabilities 2019: $49,720Net Assets 2019: $9,3472019Assets 2021: $48,811Liabilities 2021: $42,911Net Assets 2021: $5,9002021Assets 2022: $61,991Liabilities 2022: $56,728Net Assets 2022: $5,2632022Assets 2023: $62,128Liabilities 2023: $54,491Net Assets 2023: $7,6372023

Highlighted filing

2018

Assets$61,414
Liabilities$51,297
Net Assets$10,117
Open 2018 Filing

Operations Trend

Revenue Growth32nd percentile

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

$40K$20K$0-$20KRevenue 2017: $37,379Expenses 2017: $32,088Net Income 2017: $5,2912017Revenue 2018: $34,796Expenses 2018: $37,644Net Income 2018: -$2,8482018Revenue 2019: $30,643Expenses 2019: $31,413Net Income 2019: -$7702019Revenue 2021: $29,251Expenses 2021: $26,410Net Income 2021: $2,8412021Revenue 2022: $31,078Expenses 2022: $31,715Net Income 2022: -$6372022Revenue 2023: $27,422Expenses 2023: $25,048Net Income 2023: $2,3742023

Highlighted filing

2018

Revenue$34,796
Expenses$37,644
Net Income-$2,848
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 13, 2019
Return Version
2018v3.1
Gross Receipts
$64,482
Mission and Program Overview

Mission

FRATERNAL ORGANIZATION

Program Services

DescriptionGrantsExpenses
FRATERNAL ORGANIZATION$0$20,884
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
WILLIAM ZAREMBAPresidentPT$0--
DELLA ZAREMBATreasurerPT$0--
JOHN FACESecretaryPT$0--
EDDIE BAKERDirectorPT$0--
VOVVY BULTERDirectorPT$0--
GRANT INGRAMDirectorPT$0--
MATT BELLDirectorPT$0--
Filing and Contact Details

Filer

Filer Name
Leisure Hour Club
EIN
38-1269013
Phone
5176299710
Address
211 MARKET PL, ALBION, MI 49224

Signing Officer

Name
Della Zaremba
Title
Treasurer
Phone
5176299710
Signed
2019-05-13
Discuss with paid preparer
Yes

Preparer

Firm
Mack Accounting LLC
Address
422 E MICHIGAN AVE, MARSHALL, MI 49068-1667
Preparer
Michelle Mack
Phone
2697812206
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“BANK CHARGES 2109.”

Form 990EZ, Part I, Line 16

“DUES & MEMBERSHIPS 95.”

Form 990EZ, Part I, Line 16

“EQUIPMENT RENTAL 200.”

Form 990EZ, Part I, Line 16

“INSURANCE 520.”

Form 990EZ, Part I, Line 16

“INTEREST EXPENSE 7963.”

Form 990EZ, Part I, Line 16

“Meal & entertainment 168.”

Form 990EZ, Part I, Line 16

“Other business expenses 816.”

Form 990EZ, Part I, Line 16

“RENT & LEASE 75.”

Form 990EZ, Part I, Line 16

“EQUIPMENT REPAIRS 140.”

Form 990EZ, Part I, Line 16

“Supplies & materials 1493.”

Form 990EZ, Part I, Line 16

“TAXES & LICENSES 2163.”

Form 990EZ, Part I, Line 16

“TAXES - SALES TAX 2649.”

Form 990EZ, Part I, Line 16

“MISCELLANEOUS 1253.”

Form 990EZ, Part I, Line 16

“Depreciation 1240.”

Form 990EZ, Part I, Line 20

“Adjustments to match financial statements for the non profit 7674.”

Form 990EZ, Part II, Line 26

“Credit card - mastercard 0. 1061.”

Form 990EZ, Part II, Line 26

“Huntington mortgage 0. 50236.”

Form 990EZ, Part II, Line 26

“Land contract - rudd 48759. 0.”

Raw XML Appendix182 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/PersonNm0DELLA ZAREMBA
IRS990EZ/BooksInCareOfDetail/PhoneNum05176299710
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01004 N CLINTON ST
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0ALBION
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd049224
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt022275
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt010239
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt029686
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-2848
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0895
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt054050
IRS990EZ/Form990TotalAssetsGrp/EOYAmt061414
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt030671
IRS990EZ/GrossReceiptsAmt064482
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/GrossSalesOfInventoryAmt060357
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt0536
IRS990EZ/LandAndBuildingsGrp/BOYAmt031775
IRS990EZ/LandAndBuildingsGrp/EOYAmt051175
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt03589
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt05291
IRS990EZ/NetAssetsOrFundBalancesEOYAmt010117
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt05291
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt010117
IRS990EZ/OccupancyRentUtltsAndMaintAmt014947
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt020.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt15.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt25.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt35.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt45.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt55.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt65.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0WILLIAM ZAREMBA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1DELLA ZAREMBA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2JOHN FACE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3EDDIE BAKER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4VOVVY BULTER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5GRANT INGRAM
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6MATT BELL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherChangesInNetAssetsAmt07674
IRS990EZ/OtherExpensesTotalAmt020884
IRS990EZ/PrimaryExemptPurposeTxt0FRATERNAL ORGANIZATION
IRS990EZ/PrintingPublicationsPostageAmt0918
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0FRATERNAL ORGANIZATION
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt020884
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt048759
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt051297
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt037644
IRS990EZ/TotalProgramServiceExpensesAmt020884
IRS990EZ/TotalRevenueAmt034796
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BANK CHARGES 2109.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DUES & MEMBERSHIPS 95.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EQUIPMENT RENTAL 200.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3INSURANCE 520.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INTEREST EXPENSE 7963.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MEAL & ENTERTAINMENT 168.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OTHER BUSINESS EXPENSES 816.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7RENT & LEASE 75.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8EQUIPMENT REPAIRS 140.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9SUPPLIES & MATERIALS 1493.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10TAXES & LICENSES 2163.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11TAXES - SALES TAX 2649.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12MISCELLANEOUS 1253.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13Depreciation 1240.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14ADJUSTMENTS TO MATCH FINANCIAL STATEMENTS FOR THE NON PROFIT 7674.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15CREDIT CARD - MASTERCARD 0. 1061.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16HUNTINGTON MORTGAGE 0. 50236.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17LAND CONTRACT - RUDD 48759. 0.
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990EZ, Part I, Line 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Form 990EZ, Part II, Line 26
ReturnHeader/BuildTS02020-04-17 16:48:07Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DELLA ZAREMBA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum05176299710
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LEISURE HOUR CLUB
ReturnHeader/Filer/BusinessNameControlTxt0LEIS
ReturnHeader/Filer/EIN0381269013
ReturnHeader/Filer/PhoneNum05176299710
ReturnHeader/Filer/USAddress/AddressLine1Txt0211 MARKET PL
ReturnHeader/Filer/USAddress/CityNm0ALBION
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049224
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId05BE678F545A8EB23BB0C4CB3260380CE238D4C51
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0D056125315CF739D84D95C2397651AD5C19D858D
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId0385205201931702igcli
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02019-11-13
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt075.26.149.196
ReturnHeader/FilingSecurityInformation/IPDt02019-11-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PS
ReturnHeader/FilingSecurityInformation/IPTm008:36:56
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Mack Accounting LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0422 E MICHIGAN AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MARSHALL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0490681667
ReturnHeader/PreparerPersonGrp/PhoneNum02697812206
ReturnHeader/PreparerPersonGrp/PreparationDt02019-11-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHELLE MACK
ReturnHeader/ReturnTs02019-11-15T08:37:01-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$61,414
Liabilities
$51,297
Net assets
$10,117
Revenue
$34,796
Expenses
$37,644
Net income
-$2,848
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$62.1$54.5$7.64$27.4$25.0$2.37
2022Detailed filing. Detailed filing data is available for this year.$62.0$56.7$5.26$31.1$31.7$0.64
2021Detailed filing. Detailed filing data is available for this year.$48.8$42.9$5.90$29.3$26.4$2.84
2019Detailed filing. Detailed filing data is available for this year.$59.1$49.7$9.35$30.6$31.4$0.77
2018Detailed filing. Detailed filing data is available for this year.$61.4$51.3$10.1$34.8$37.6$2.85
2017Summary only. Only limited summary data is available for this year.$54.1$48.8$37.4$32.1$5.29