Civic Intelligence

Elk Rapids Rotary Club

990EZ • Fiscal year 2020 • EIN 38-6150125

Jul 01, 2019 to Jun 30, 2020 • Filed on Apr 26, 2021

Organization ProfileWWW.ELKRAPIDSROTARY.COM
PO Box 814Elk Rapids, MI 49629

(231) 264-8622

Siviq Scores

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

Liabilities / Assets

56th percentile

0.00x

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

2020 filings • 501(c)4 • <$500k nonprofits • Source year 2020

Liabilities / Revenue

55th percentile

0.00x

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

2020 filings • 501(c)4 • <$500k nonprofits • Source year 2020

Net Margin

15th percentile

-41%

Higher net margin than 15% of similar nonprofits.

2020 filings • 501(c)4 • <$500k nonprofits • Source year 2020

Top Officer Pay

86th percentile

$0

Higher top officer pay than 86% of similar nonprofits.

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

2020 filings • 501(c)4 • <$500k nonprofits • Source year 2020

Asset Growth

11th percentile

-33%

Faster asset growth than 11% of similar nonprofits.

2020 filings • 501(c)4 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

81st percentile

11%

Faster revenue growth than 81% of similar nonprofits.

2020 filings • 501(c)4 • <$500k nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets56th percentile

Assets

Down

$75,083

Down $37,791 (-33%) from 2019

Net Assets

Down

$75,083

Down $37,791 (-33%) from 2019

Liabilities

Flat

$0

Flat from 2019

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin15th percentile

Revenue

Up

$112,335

Up $11,209 (+11%) from 2019

Expenses

Up

$158,639

Up $89,424 (+129%) from 2019

Net Income

Down

-$46,304

Down $78,215 (-245%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$150K$100K$50K$0Assets 2011: $89,442Liabilities 2011: $02011Assets 2012: $62,972Liabilities 2012: $02012Assets 2013: $71,067Liabilities 2013: $02013Assets 2014: $81,874Liabilities 2014: $02014Assets 2015: $101,874Liabilities 2015: $02015Assets 2016: $84,830Liabilities 2016: $0Net Assets 2016: $84,8302016Assets 2017: $69,057Liabilities 2017: $0Net Assets 2017: $69,0572017Assets 2018: $62,810Liabilities 2018: $02018Assets 2019: $112,874Liabilities 2019: $0Net Assets 2019: $112,8742019Assets 2020: $75,083Liabilities 2020: $0Net Assets 2020: $75,0832020Assets 2021: $93,008Liabilities 2021: $02021Assets 2022: $98,690Liabilities 2022: $0Net Assets 2022: $98,6902022Assets 2023: $78,141Liabilities 2023: $02023Assets 2024: $73,898Liabilities 2024: $3962024Assets 2025: $96,163Liabilities 2025: $5,000Net Assets 2025: $91,1632025

Highlighted filing

2020

Assets$75,083
Liabilities$0
Net Assets$75,083
Open 2020 Filing

Operations Trend

Revenue Growth81st percentile

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

$200K$100K$0-$100KRevenue 2011: $86,821Expenses 2011: $90,359Net Income 2011: -$3,5382011Revenue 2012: $79,836Expenses 2012: $106,306Net Income 2012: -$26,4702012Revenue 2013: $83,912Expenses 2013: $75,817Net Income 2013: $8,0952013Revenue 2014: $75,958Expenses 2014: $65,151Net Income 2014: $10,8072014Revenue 2015: $86,122Expenses 2015: $66,122Net Income 2015: $20,0002015Revenue 2016: $117,167Expenses 2016: $134,140Net Income 2016: -$16,9732016Revenue 2017: $93,157Expenses 2017: $108,930Net Income 2017: -$15,7732017Revenue 2018: $108,832Expenses 2018: $97,384Net Income 2018: $11,4482018Revenue 2019: $101,126Expenses 2019: $69,215Net Income 2019: $31,9112019Revenue 2020: $112,335Expenses 2020: $158,639Net Income 2020: -$46,3042020Revenue 2021: $63,688Expenses 2021: $46,009Net Income 2021: $17,6792021Revenue 2022: $72,434Expenses 2022: $66,752Net Income 2022: $5,6822022Revenue 2023: $74,921Expenses 2023: $94,985Net Income 2023: -$20,0642023Revenue 2024: $60,006Expenses 2024: $64,645Net Income 2024: -$4,6392024Revenue 2025: $93,766Expenses 2025: $76,105Net Income 2025: $17,6612025

Highlighted filing

2020

Revenue$112,335
Expenses$158,639
Net Income-$46,304
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
Apr 26, 2021
Return Version
2019v5.0
Gross Receipts
$112,335
Mission and Program Overview

Mission

Support community projects and charitable organizations.

Program Services

DescriptionGrantsExpenses
NATIONAL AND INTERNATIONAL SERVICE NEEDS$59,513$68,926
REGIONAL COMMUNITY SERVICE NEEDS - COMMUNITY EVENTS AND SUPPORT$25,111$29,207
YOUTH SERVICES - COLLEGE AND LEADERSHIP SCHOLORSHIPS, BACKPACKS FOR CHILDREN, AND YOUTH LEADERSHIP DEVELOPMENT$10,800$28,624
TO SUPPORT COMMUNITY PROJECTS AND CHARITABLE ORGANIZATIONS.-$4,574
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
OLIVIA ADAMSPresident-$0--
JULIA POLLISTER AMOSSecretary-$0--
CHRISTOPHER WHITETreasurer-$0--
JAMES NOTHOFFTrustee-$0--
CAMILLE CAMPBELLTrustee-$0--
JAMES HOCKINTrustee-$0--
STEVEN FRANCISTrustee-$0--
CAROL HELESTrustee-$0--
DONALD PONDTrustee-$0--
GEORGE SEIFRIEDTrustee-$0--
SUSAN SWEETTrustee-$0--
Filing and Contact Details

Filer

Filer Name
Elk Rapids Rotary Club
EIN
38-6150125
Phone
2312648622
Address
PO BOX 814, ELK RAPIDS, MI 49629

Signing Officer

Name
Christopher White
Title
Treasurer
Phone
2312648622
Signed
2021-04-26
Discuss with paid preparer
Yes

Preparer

Firm
All Seasons Tax & Accounting Services
Address
103 1ST STREET STE 1, ELK RAPIDS, MI 49629
Preparer
Olivia Adams Ea
Phone
2317149667
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8

“Guest / visitor meals 20,973 total 20,973”

Form 990-ez, Part I, Line 10

“Name: vermilion rotary address: 555 north dakota vermillion, sd 57069 cash contribution: 46,213”

Form 990-ez, Part I, Line 16

“Expenses bank fees 18 advertising 3,862 badges, pins, etc. 62 chicken barbeque expense 2,922 district dues 3,087 dues & subscriptions 815 general / admin supplies 1,418 meals 22,147 merchant service fees 1,174 rotary international dues 5,511 taxes & licenses 40 variety show expense 17,824 total 58,880”

Form 990-ez, Part I, Line 20

“Community foundation funds from previous period 8,513”

Form 990-ez, Part III, Line 31

“To support community projects and charitable organizations.”

Raw XML Appendix147 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/PersonNm0CHRISTOPHER WHITE
IRS990EZ/BooksInCareOfDetail/PhoneNum02312648622
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 814
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0ELK RAPIDS
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd049629
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0112874
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt075083
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt040055
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-46304
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01865
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0112874
IRS990EZ/Form990TotalAssetsGrp/EOYAmt075083
IRS990EZ/GrantsAndSimilarAmountsPaidAmt095424
IRS990EZ/GrossReceiptsAmt0112335
IRS990EZ/GroupExemptionNum00573
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt0250
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0112874
IRS990EZ/NetAssetsOrFundBalancesEOYAmt075083
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0112874
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt075083
IRS990EZ/OccupancyRentUtltsAndMaintAmt02470
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt3000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt4000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt5000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt6000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt7000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt8000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt9000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt100
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0OLIVIA ADAMS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1JULIA POLLISTER AMOS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2CHRISTOPHER WHITE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JAMES NOTHOFF
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4CAMILLE CAMPBELL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5JAMES HOCKIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6STEVEN FRANCIS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7CAROL HELES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8DONALD POND
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9GEORGE SEIFRIED
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm10SUSAN SWEET
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9TRUSTEE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt10TRUSTEE
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherChangesInNetAssetsAmt08513
IRS990EZ/OtherExpensesTotalAmt058880
IRS990EZ/OtherRevenueTotalAmt020973
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0SUPPORT COMMUNITY PROJECTS AND CHARITABLE ORGANIZATIONS.
IRS990EZ/ProgramServiceRevenueAmt051057
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0YOUTH SERVICES - COLLEGE AND LEADERSHIP SCHOLORSHIPS, BACKPACKS FOR CHILDREN, AND YOUTH LEADERSHIP DEVELOPMENT
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1REGIONAL COMMUNITY SERVICE NEEDS - COMMUNITY EVENTS AND SUPPORT
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2NATIONAL AND INTERNATIONAL SERVICE NEEDS
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt3TO SUPPORT COMMUNITY PROJECTS AND CHARITABLE ORGANIZATIONS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt010800
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt125111
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt259513
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt028624
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt129207
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt268926
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt34574
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0158639
IRS990EZ/TotalProgramServiceExpensesAmt0131331
IRS990EZ/TotalRevenueAmt0112335
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0WWW.ELKRAPIDSROTARY.COM
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0GUEST / VISITOR MEALS 20,973 TOTAL 20,973
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NAME: VERMILION ROTARY ADDRESS: 555 NORTH DAKOTA VERMILLION, SD 57069 CASH CONTRIBUTION: 46,213
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EXPENSES BANK FEES 18 ADVERTISING 3,862 BADGES, PINS, ETC. 62 CHICKEN BARBEQUE EXPENSE 2,922 DISTRICT DUES 3,087 DUES & SUBSCRIPTIONS 815 GENERAL / ADMIN SUPPLIES 1,418 MEALS 22,147 MERCHANT SERVICE FEES 1,174 ROTARY INTERNATIONAL DUES 5,511 TAXES & LICENSES 40 VARIETY SHOW EXPENSE 17,824 TOTAL 58,880
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMMUNITY FOUNDATION FUNDS FROM PREVIOUS PERIOD 8,513
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4TO SUPPORT COMMUNITY PROJECTS AND CHARITABLE ORGANIZATIONS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART I, LINE 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990-EZ, PART III, LINE 31
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRISTOPHER WHITE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum02312648622
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-04-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ELK RAPIDS ROTARY CLUB
ReturnHeader/Filer/BusinessNameControlTxt0ELKR
ReturnHeader/Filer/EIN0386150125
ReturnHeader/Filer/PhoneNum02312648622
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 814
ReturnHeader/Filer/USAddress/CityNm0ELK RAPIDS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049629
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0463472650
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ALL SEASONS TAX & ACCOUNTING SERVICES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0103 1ST STREET STE 1
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ELK RAPIDS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049629
ReturnHeader/PreparerPersonGrp/PhoneNum02317149667
ReturnHeader/PreparerPersonGrp/PreparationDt02021-04-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0OLIVIA ADAMS EA
ReturnHeader/ReturnTs02021-04-27T10:02:36-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02019-07-01
ReturnHeader/TaxPeriodEndDt02020-06-30
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$75,083
Liabilities
$0
Net assets
$75,083
Revenue
$112,335
Expenses
$158,639
Net income
-$46,304
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.96$0.05$0.91$0.94$0.76$0.18
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.74$0.00$0.60$0.65$0.05
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.78$0.00$0.75$0.95$0.20
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.99$0.00$0.99$0.72$0.67$0.06
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.93$0.00$0.64$0.46$0.18
2020Detailed filing. Detailed filing data is available for this year.$0.75$0.00$0.75$1.12$1.59$0.46
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.13$0.00$1.13$1.01$0.69$0.32
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.63$0.00$1.09$0.97$0.11
2017Detailed filing. Detailed filing data is available for this year.$0.69$0.00$0.69$0.93$1.09$0.16
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.85$0.00$0.85$1.17$1.34$0.17
2015Summary only. Only limited summary data is available for this year.$1.02$0.00$0.86$0.66$0.20
2014Summary only. Only limited summary data is available for this year.$0.82$0.00$0.76$0.65$0.11
2013Summary only. Only limited summary data is available for this year.$0.71$0.00$0.84$0.76$0.08
2012Summary only. Only limited summary data is available for this year.$0.63$0.00$0.80$1.06$0.26
2011Summary only. Only limited summary data is available for this year.$0.89$0.00$0.87$0.90$0.04