Civic Intelligence

Harbor Springs Library

990 • Fiscal year 2024 • EIN 38-1722820

Oct 01, 2023 to Sep 30, 2024 • Filed on Aug 15, 2025

206 Spring StreetHarbor Springs, MI 49740

(231) 881-5046

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.01x

Higher debt load relative to assets than 43% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

48th percentile

0.01x

Higher debt load relative to revenue than 48% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

16th percentile

-18%

Higher net margin than 16% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

55th percentile

$0

Higher top officer pay than 55% of similar nonprofits.

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

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Asset Growth

23rd percentile

-6.5%

Faster asset growth than 23% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

65th percentile

20%

Faster revenue growth than 65% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Assets

Down

$532,711

Down $36,997 (-6.5%) from 2023

Net Assets

Down

$529,978

Down $37,988 (-6.7%) from 2023

Liabilities

Up

$2,733

Up $991 (+57%) from 2023

Revenue

Up

$206,911

Up $33,845 (+20%) from 2023

Expenses

Up

$244,899

Up $30,775 (+14%) from 2023

Net Income

Up

-$37,988

Up $3,070 (+7.5%) from 2023

Historical Trend

Balance Sheet Trend

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

$800K$600K$400K$200K$0Assets 2010: $341,520Liabilities 2010: $18,206Net Assets 2010: $323,3142010Assets 2011: $346,691Liabilities 2011: $24,084Net Assets 2011: $322,6072011Assets 2012: $345,461Liabilities 2012: $24,418Net Assets 2012: $321,0432012Assets 2013: $335,581Liabilities 2013: $22,854Net Assets 2013: $312,7272013Assets 2014: $343,447Liabilities 2014: $30,507Net Assets 2014: $312,9402014Assets 2015: $359,148Liabilities 2015: $22,877Net Assets 2015: $336,2712015Assets 2016: $364,027Liabilities 2016: $28,789Net Assets 2016: $335,2382016Assets 2017: $392,787Liabilities 2017: $27,853Net Assets 2017: $364,9342017Assets 2018: $391,601Liabilities 2018: $26,910Net Assets 2018: $364,6912018Assets 2019: $432,268Liabilities 2019: $43,298Net Assets 2019: $388,9702019Assets 2020: $521,397Liabilities 2020: $64,949Net Assets 2020: $456,4482020Assets 2021: $554,693Liabilities 2021: $52,380Net Assets 2021: $502,3132021Assets 2022: $618,155Liabilities 2022: $48,920Net Assets 2022: $569,2352022Assets 2023: $569,708Liabilities 2023: $1,742Net Assets 2023: $567,9662023Assets 2024: $532,711Liabilities 2024: $2,733Net Assets 2024: $529,9782024

Highlighted filing

2024

Assets$532,711
Liabilities$2,733
Net Assets$529,978

Operations Trend

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

$300K$200K$100K$0-$100KExpenses 2010: $69,7032010Revenue 2011: $125,438Expenses 2011: $126,145Net Income 2011: -$7072011Expenses 2012: $143,9452012Revenue 2013: $184,657Expenses 2013: $143,031Net Income 2013: $41,6262013Revenue 2014: $130,997Expenses 2014: $130,794Net Income 2014: $2032014Revenue 2015: $173,487Expenses 2015: $150,156Net Income 2015: $23,3312015Revenue 2016: $108,001Expenses 2016: $109,033Net Income 2016: -$1,0322016Revenue 2017: $148,779Expenses 2017: $119,083Net Income 2017: $29,6962017Revenue 2018: $127,946Expenses 2018: $128,189Net Income 2018: -$2432018Revenue 2019: $162,482Expenses 2019: $138,203Net Income 2019: $24,2792019Revenue 2020: $198,541Expenses 2020: $131,063Net Income 2020: $67,4782020Revenue 2021: $188,537Expenses 2021: $142,672Net Income 2021: $45,8652021Revenue 2022: $182,358Expenses 2022: $115,446Net Income 2022: $66,9122022Revenue 2023: $173,066Expenses 2023: $214,124Net Income 2023: -$41,0582023Revenue 2024: $206,911Expenses 2024: $244,899Net Income 2024: -$37,9882024

Highlighted filing

2024

Revenue$206,911
Expenses$244,899
Net Income-$37,988
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Aug 15, 2025
Return Version
2023v6.0
Gross Receipts
$218,088
Mission and Program Overview

Mission

Provide public library services in harbor springs area.

The mission of the Harbor Springs Library is to foster a love of reading, promote lifelong learning, and enrich our community, young and old, by providing free access to a broad range of resources and programs, as well as to serve as stewards of the historic library building.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$329,632$304,957▼ $24,675
Land, Buildings, and Equipment, Net$152,544$146,250▼ $6,294
Cash and Non-Interest-Bearing Accounts$87,047$81,019▼ $6,028
Inventories for Sale or Use$485$485→ $0
Total Assets$569,708$532,711▼ $36,997
Liabilities
Accounts Payable and Accrued Expenses$1,742$2,733▲ $991
Total Liabilities$1,742$2,733▲ $991
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$565,966$501,190▼ $64,776
Net Assets With Donor Restrictions$2,000$28,788▲ $26,788
Total Net Assets Fund Balance$567,966$529,978▼ $37,988
Total Liabilities and Net Assets / Fund Balance$569,708$532,711▼ $36,997

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$142,892$128,586$271,478
Equipment$3,358$99,384$102,742

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2023$144,901$1,350▲ $34,097$1,476$178,872
2022$126,372$2,050▲ $17,812$1,334$144,900
2021$155,180$2,275▼ $30,014$1,069$126,372
2020$94,830$34,100▲ $26,929$679$155,180
2019$64,734$22,525▲ $7,997$422$94,834
Compensation and Service Providers

Board Members and Trustees

NameTitle
Tim KnappPresident
Eliece AimanVice President
Alison DecampTrustee
Cory CassidyTrustee
Kate CohenSecretary
Mary CummingsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$136,488
Program Service Revenue
$2,998
Investment Income
$27,088
Other Revenue
$40,337
All Other Contributions
$126,100
Change in Net Assets
$-37,988
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$155,074
Salaries, Compensation, and Employee Benefits$89,825
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$83,840--$83,840
Other Salaries and Wages$83,431--$83,431
Occupancy$22,475--$22,475
Fees for Services Accounting$9,500--$9,500
Payroll Taxes$6,394--$6,394
Depreciation Depletion$6,294--$6,294
Insurance$4,789--$4,789
Information Technology$3,267--$3,267
Advertising$2,027--$2,027
Office Expenses$1,742--$1,742
Other Expenses$438--$438
Total Functional Expenses$244,899$0$0$244,899
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
Lobbying activity
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 governing body review Part VI line 11

Each Board member reviews the return and any questions are resolved before filing with the IRS.

Conflict of interest policy compliance Part VI line 12C

A written statement is signed by each board member each year stating that they have either had no conflicts of interest during the year, or explaining what conflicts have arisen. No conflicts have been reported to date.

CEO executive director top management comp Part VI line 15A

Executive directors salary and benefits are decided on by the personnel committee and aproved by the Board of Directors. Compensation packages of similarly sized libraries in the state are used for comparison.

Other officer or key employee compensation Part VI line 15B

Key employees hourly pay rates and annual bonuses are determined by the personal commitee and approved by the Board of Directors.

Governing documents etc available to public Part VI line 19

Copies of tax returns and/or governing documents and policies are made available upon request, either by email or hard copy. Forms 990 are also available on the pro-publica website.

Filing and Contact Details

Filer

Filer Name
Harbor Springs Library
EIN
38-1722820
Address
206 Spring Street, Harbor Springs, MI 49740

Signing Officer

Name
Tim Knapp
Title
President
Phone
2315262531
Signed
2025-08-15
Discuss with paid preparer
Yes

Organization Details

Formed
1904
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
6
Volunteers
1

Preparer

Firm
Timothy C Beardsley CPA PC
Address
5 Penn Plaza, Petoskey, MI 49770
Preparer
Tim Beardsley
Phone
2318815046
Supplemental Narrative

Additional Explanations

List of other expenses Part IX line 24E

Building repairs total $76,744

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IRS990ScheduleA/PublicSupportTotal170Amt0623007
IRS990ScheduleA/SubstantialContributorsTotAmt038430
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0139485
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0126984
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0135078
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0138140
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0121750
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0661437
IRS990ScheduleA/TotalSupportAmt0914248
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
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/BuildingsGrp/BookValueAmt0142892
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0128586
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0271478
IRS990ScheduleD/CYEndwmtFundGrp/BeginningYearBalanceAmt0144901
IRS990ScheduleD/CYEndwmtFundGrp/ContributionsAmt01350
IRS990ScheduleD/CYEndwmtFundGrp/EndYearBalanceAmt0178872
IRS990ScheduleD/CYEndwmtFundGrp/InvestmentEarningsOrLossesAmt034097
IRS990ScheduleD/CYEndwmtFundGrp/OtherExpendituresAmt01476
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/BeginningYearBalanceAmt0126372
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/ContributionsAmt02050
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/EndYearBalanceAmt0144900
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt017812
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/OtherExpendituresAmt01334
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/BeginningYearBalanceAmt0155180
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/ContributionsAmt02275
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/EndYearBalanceAmt0126372
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt0-30014
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/OtherExpendituresAmt01069
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/BeginningYearBalanceAmt094830
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/ContributionsAmt034100
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/EndYearBalanceAmt0155180
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt026929
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/OtherExpendituresAmt0679
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/BeginningYearBalanceAmt064734
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/ContributionsAmt022525
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/EndYearBalanceAmt094834
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt07997
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/OtherExpendituresAmt0422
IRS990ScheduleD/EquipmentGrp/BookValueAmt03358
IRS990ScheduleD/EquipmentGrp/DepreciationAmt099384
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0102742
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0146250
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Each Board member reviews the return and any questions are resolved before filing with the IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A written statement is signed by each board member each year stating that they have either had no conflicts of interest during the year, or explaining what conflicts have arisen. No conflicts have been reported to date.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Executive directors salary and benefits are decided on by the personnel committee and aproved by the Board of Directors. Compensation packages of similarly sized libraries in the state are used for comparison.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Key employees hourly pay rates and annual bonuses are determined by the personal commitee and approved by the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Copies of tax returns and/or governing documents and policies are made available upon request, either by email or hard copy. Forms 990 are also available on the pro-publica website.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Building repairs total $76,744
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5List of other expenses Part IX line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0569708
IRS990/TotalAssetsEOYAmt0532711
IRS990/TotalAssetsGrp/BOYAmt0569708
IRS990/TotalAssetsGrp/EOYAmt0532711
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0136488
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0244899
IRS990/TotalFunctionalExpensesGrp/TotalAmt0244899
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01742
IRS990/TotalLiabilitiesEOYAmt02733
IRS990/TotalLiabilitiesGrp/BOYAmt01742
IRS990/TotalLiabilitiesGrp/EOYAmt02733
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0567966
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0529978
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0244899
IRS990/TotalProgramServiceRevenueAmt02998
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt070423
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0206911
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt01
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0569708
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0532711
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0harborspringslibrary.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Tim Knapp
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum02315262531
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Harbor Springs Library
ReturnHeader/Filer/BusinessNameControlTxt0HARB
ReturnHeader/Filer/EIN0381722820
ReturnHeader/Filer/USAddress/AddressLine1Txt0206 Spring Street
ReturnHeader/Filer/USAddress/CityNm0Harbor Springs
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049740
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0461237874
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Timothy C Beardsley CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05 Penn Plaza
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Petoskey
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049770
ReturnHeader/PreparerPersonGrp/PhoneNum02318815046
ReturnHeader/PreparerPersonGrp/PreparationDt02025-08-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Tim Beardsley
ReturnHeader/ReturnTs02025-08-15T13:22:14-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-10-01

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.$5.33$0.03$5.30$2.07$2.45$0.38
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.70$0.02$5.68$1.73$2.14$0.41
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.18$0.49$5.69$1.82$1.15$0.67
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.55$0.52$5.02$1.89$1.43$0.46
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.21$0.65$4.56$1.99$1.31$0.67
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.32$0.43$3.89$1.62$1.38$0.24
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.92$0.27$3.65$1.28$1.28$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.93$0.28$3.65$1.49$1.19$0.30
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.64$0.29$3.35$1.08$1.09$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.59$0.23$3.36$1.73$1.50$0.23
2014Detailed filing. Detailed filing data is available for this year.$3.43$0.31$3.13$1.31$1.31$0.00
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.36$0.23$3.13$1.85$1.43$0.42
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.45$0.24$3.21$1.44
2011Summary only. Only limited summary data is available for this year.$3.47$0.24$3.23$1.25$1.26$0.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.42$0.18$3.23$0.70
Peer Organizations

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