Civic Intelligence

Retired Senior Volunteer Program of Rock County Inc.

990 • Fiscal year 2016 • EIN 39-1587220

Jan 01, 2016 to Dec 31, 2016 • Filed on May 19, 2017

2433 S Riverside Dr Rm/Ste BBeloit, WI 53511

(608) 362-9593

Siviq Scores

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

Liabilities / Assets

85th percentile

0.29x

Higher debt load relative to assets than 85% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Liabilities / Revenue

79th percentile

0.07x

Higher debt load relative to revenue than 79% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Net Margin

34th percentile

-2.7%

Higher net margin than 34% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Top Officer Pay

95th percentile

$62,447

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 24.4% of source-year revenue.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Asset Growth

19th percentile

-22%

Faster asset growth than 19% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

50th percentile

0.8%

Faster revenue growth than 50% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Assets

Down

$61,701

Down $17,849 (-22%) from 2015

Net Assets

Down

$43,969

Down $6,899 (-14%) from 2015

Liabilities

Down

$17,732

Down $10,950 (-38%) from 2015

Revenue

Up

$255,837

Up $2,053 (+0.8%) from 2015

Expenses

Up

$262,736

Up $4,409 (+1.7%) from 2015

Net Income

Down

-$6,899

Down $2,356 (-52%) from 2015

Historical Trend

Balance Sheet Trend

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

$200K$150K$100K$50K$0Assets 2010: $77,837Liabilities 2010: $13,048Net Assets 2010: $64,7892010Assets 2011: $75,050Liabilities 2011: $13,375Net Assets 2011: $61,6752011Assets 2012: $60,941Liabilities 2012: $18,391Net Assets 2012: $42,5502012Assets 2013: $61,961Liabilities 2013: $16,902Net Assets 2013: $45,0592013Assets 2014: $65,861Liabilities 2014: $20,205Net Assets 2014: $45,6562014Assets 2015: $79,550Liabilities 2015: $28,682Net Assets 2015: $50,8682015Assets 2016: $61,701Liabilities 2016: $17,732Net Assets 2016: $43,9692016Assets 2017: $71,805Liabilities 2017: $19,852Net Assets 2017: $51,9532017Assets 2018: $80,461Liabilities 2018: $13,175Net Assets 2018: $67,2862018Assets 2019: $85,272Liabilities 2019: $36,004Net Assets 2019: $49,2682019Assets 2020: $120,419Liabilities 2020: $39,664Net Assets 2020: $80,7552020Assets 2021: $176,179Liabilities 2021: $48,692Net Assets 2021: $127,4872021Assets 2022: $165,030Liabilities 2022: $65,602Net Assets 2022: $99,4282022Assets 2023: $124,971Liabilities 2023: $74,083Net Assets 2023: $50,8882023Assets 2024: $150,774Liabilities 2024: $61,956Net Assets 2024: $88,8182024

Highlighted filing

2016

Assets$61,701
Liabilities$17,732
Net Assets$43,969

Operations Trend

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

$400K$200K$0-$200KExpenses 2010: $242,4582010Expenses 2011: $242,2382011Expenses 2012: $252,9672012Revenue 2013: $232,375Expenses 2013: $229,866Net Income 2013: $2,5092013Revenue 2014: $237,988Expenses 2014: $237,391Net Income 2014: $5972014Revenue 2015: $253,784Expenses 2015: $258,327Net Income 2015: -$4,5432015Revenue 2016: $255,837Expenses 2016: $262,736Net Income 2016: -$6,8992016Revenue 2017: $256,100Expenses 2017: $248,116Net Income 2017: $7,9842017Revenue 2018: $243,231Expenses 2018: $227,898Net Income 2018: $15,3332018Revenue 2019: $210,111Expenses 2019: $221,800Net Income 2019: -$11,6892019Revenue 2020: $269,304Expenses 2020: $237,817Net Income 2020: $31,4872020Revenue 2021: $319,397Expenses 2021: $272,665Net Income 2021: $46,7322021Revenue 2022: $259,139Expenses 2022: $287,198Net Income 2022: -$28,0592022Revenue 2023: $267,741Expenses 2023: $316,281Net Income 2023: -$48,5402023Revenue 2024: $374,109Expenses 2024: $336,179Net Income 2024: $37,9302024

Highlighted filing

2016

Revenue$255,837
Expenses$262,736
Net Income-$6,899
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 19, 2017
Return Version
2016v3.0
Gross Receipts
$255,837
Mission and Program Overview

Mission

Provide volunteerism opportunities for people 55 or older

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$65,120$36,898▼ $28,222
Cash and Non-Interest-Bearing Accounts$11,800$17,166▲ $5,366
Pledges and Grants Receivable-$3,726-
Prepaid Expenses and Deferred Charges$1,082$3,524▲ $2,442
Land, Buildings, and Equipment, Net$1,548$387▼ $1,161
Total Assets$79,550$61,701▼ $17,849
Liabilities
Accounts Payable and Accrued Expenses$21,285$17,732▼ $3,553
Deferred Revenue$7,397--
Total Liabilities$28,682$17,732▼ $10,950
Net Assets / Fund Balance
Unrestricted Net Assets$49,850$42,022▼ $7,828
Temporarily Rstr Net Assets$1,018$1,947▲ $929
Total Net Assets Fund Balance$50,868$43,969▼ $6,899
Total Liabilities and Net Assets / Fund Balance$79,550$61,701▼ $17,849

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$387$7,650$8,037
Compensation and Service Providers

Employees

NameTitleBaseOtherTotal
Robert HarlowExecutive Di$61,223$1,224$62,447

Board Members and Trustees

NameTitle
Holly FrielPresident
Betty Jo BussieDirector
Cecilia BlackwellDirector
Jeanne SmithDirector
Jeff HoytDirector
June DivanDirector
Karen WhiteDirector
Michael PalubinskiDirector
Paula SchuttDirector
Becky EsselmanSecretary
Bill PemberTreasurer
Kristin LarsonVice-preside
Revenue and Support

Revenue Composition

Contributions and Grants
$236,338
Program Service Revenue
$19,066
Investment Income
$48
Other Revenue
$385
All Other Contributions
$14,576
Change in Net Assets
$-6,899
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$149,877
Other Expenses$112,859
Total Fundraising Expense$6,552
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$65,476$3,788$6,097$75,361
Current Officers, Directors, Trustees, and Key Employees$58,150$3,073-$61,223
Conferences and Meetings$17,940$257-$18,197
Fees for Services Accounting$8,736$4,741-$13,477
Payroll Taxes$9,551$482$455$10,488
All Other Expenses$9,485$728-$10,213
Occupancy$6,446$721-$7,167
Office Expenses$3,542$164-$3,706
Other Employee Benefits$2,560$245-$2,805
Other Expenses$1,857--$1,857
Insurance$1,558$275-$1,833
Travel$1,570$19-$1,589
Depreciation Depletion$801$360-$1,161
Total Functional Expenses$241,331$14,853$6,552$262,736
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
No
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, Page 6, Part VI, Line 11B

The form 990, prepared by an outside accounting firm, is reviewed by the executive director and the treasurer (and full board if necessary) prior to filing.

Form 990, Page 6, Part VI, Line 12C

Board of directors annually reviews the statements. Board member is not allowed to vote on conflicted items.

Form 990, Page 6, Part VI, Line 15A

Annual performance evaluation is conducted by the board of directors and recommendations are made contingent upon fiscal conditions.

Form 990, Page 6, Part VI, Line 19

Governing documents are made available to interested parties upon request of the organization's office.

Filing and Contact Details

Filer

Filer Name
Retired & Senior Volunteer Program
EIN
39-1587220
Phone
6083629593
Address
2433 S RIVERSIDE DR RM/STE B, BELOIT, WI 53511

Signing Officer

Name
Holly Friel
Title
President
Phone
6083629593
Signed
2017-05-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Harlow
Formed
1987
Legal Domicile
Wi
Voting Board Members
12
Independent Board Members
12
Employees
4
Volunteers
433

Preparer

Firm
Siepert & Co Llp
Address
1920 WEST HART ROAD, BELOIT, WI 53511
Preparer
Dennis E Hildebrandt
Phone
6083652266
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

Home-based and group projects program: rsvp volunteers work individually and in groups on projects for public and private non-profit organizations and schools.

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IRS990/ProgSrvcAccomActy3Grp/Desc0INTERGENERATIONAL PROGRAM: RSVP VOLUNTEERS ARE MATCHED WITH CHILDREN TO TEACH SKILLS, ENCOURAGE LIFE INTEREST SKILL DEVELOPMENT, AND TO SERVE AS ROLE MODELS AND SPECIAL GRANDPARENT-TYPE TELEPHONE FRIENDS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt042544
IRS990/ProgSrvcAccomActyOtherGrp/Desc0HOME-BASED AND GROUP PROJECTS PROGRAM: RSVP VOLUNTEERS WORK INDIVIDUALLY AND IN GROUPS ON PROJECTS FOR PUBLIC AND PRIVATE NON-PROFIT ORGANIZATIONS AND SCHOOLS.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt034356
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0235384
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt051
IRS990/PYOtherExpensesAmt0114467
IRS990/PYOtherRevenueAmt02187
IRS990/PYProgramServiceRevenueAmt016162
IRS990/PYRevenuesLessExpensesAmt0-4543
IRS990/PYSalariesCompEmpBnftPaidAmt0143860
IRS990/PYTotalExpensesAmt0258327
IRS990/PYTotalRevenueAmt0253784
IRS990/ReconcilationRevenueExpnssAmt0-6899
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt065120
IRS990/SavingsAndTempCashInvstGrp/EOYAmt036898
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0MISCELLANEOUS 12,592 NEWSLETTER ADS 450
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0236388
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0235384
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0235123
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0228244
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0228427
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01163566
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt048
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt051
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt01855
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt065
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0121
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt02140
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt019451
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt0385
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt02212
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt01035
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt04091
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt05319
IRS990ScheduleA/OtherIncome170Grp/TotalAmt013042
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.98710
IRS990ScheduleA/PublicSupportPY170Pct00.98310
IRS990ScheduleA/PublicSupportTotal170Amt01163566
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0236388
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0235384
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0235123
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0228244
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0228427
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01163566
IRS990ScheduleA/TotalSupportAmt01178748
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0387
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07650
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08037
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0387
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOME-BASED AND GROUP PROJECTS PROGRAM: RSVP VOLUNTEERS WORK INDIVIDUALLY AND IN GROUPS ON PROJECTS FOR PUBLIC AND PRIVATE NON-PROFIT ORGANIZATIONS AND SCHOOLS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FORM 990, PREPARED BY AN OUTSIDE ACCOUNTING FIRM, IS REVIEWED BY THE EXECUTIVE DIRECTOR AND THE TREASURER (AND FULL BOARD IF NECESSARY) PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD OF DIRECTORS ANNUALLY REVIEWS THE STATEMENTS. BOARD MEMBER IS NOT ALLOWED TO VOTE ON CONFLICTED ITEMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANNUAL PERFORMANCE EVALUATION IS CONDUCTED BY THE BOARD OF DIRECTORS AND RECOMMENDATIONS ARE MADE CONTINGENT UPON FISCAL CONDITIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS ARE MADE AVAILABLE TO INTERESTED PARTIES UPON REQUEST OF THE ORGANIZATION'S OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0WI
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt01018
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt01947
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt079550
IRS990/TotalAssetsEOYAmt061701
IRS990/TotalAssetsGrp/BOYAmt079550
IRS990/TotalAssetsGrp/EOYAmt061701
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0236338
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt06552
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt014853
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0241331
IRS990/TotalFunctionalExpensesGrp/TotalAmt0262736
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt028682
IRS990/TotalLiabilitiesEOYAmt017732
IRS990/TotalLiabilitiesGrp/BOYAmt028682
IRS990/TotalLiabilitiesGrp/EOYAmt017732
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt050868
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt043969
IRS990/TotalOtherCompensationAmt01224
IRS990/TotalOtherProgSrvcExpenseAmt034356
IRS990/TotalProgramServiceExpensesAmt0241331
IRS990/TotalProgramServiceRevenueAmt019066
IRS990/TotalReportableCompFromOrgAmt061223
IRS990/TotalRevenueGrp/ExclusionAmt048
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt019451
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0255837
IRS990/TotalVolunteersCnt0433
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt079550
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt061701
IRS990/TravelGrp/ManagementAndGeneralAmt019
IRS990/TravelGrp/ProgramServicesAmt01570
IRS990/TravelGrp/TotalAmt01589
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt049850
IRS990/UnrestrictedNetAssetsGrp/EOYAmt042022
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02433 S RIVERSIDE DR
IRS990/USAddress/CityNm0BELOIT
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd053511
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.RSVP-ROCK.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HOLLY FRIEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06083629593
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RETIRED & SENIOR VOLUNTEER PROGRAM

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.51$0.62$0.89$3.74$3.36$0.38
2023Detailed filing. Detailed filing data is available for this year.$1.25$0.74$0.51$2.68$3.16$0.49
2022Detailed filing. Detailed filing data is available for this year.$1.65$0.66$0.99$2.59$2.87$0.28
2021Detailed filing. Detailed filing data is available for this year.$1.76$0.49$1.27$3.19$2.73$0.47
2020Detailed filing. Detailed filing data is available for this year.$1.20$0.40$0.81$2.69$2.38$0.31
2019Detailed filing. Detailed filing data is available for this year.$0.85$0.36$0.49$2.10$2.22$0.12
2018Detailed filing. Detailed filing data is available for this year.$0.80$0.13$0.67$2.43$2.28$0.15
2017Detailed filing. Detailed filing data is available for this year.$0.72$0.20$0.52$2.56$2.48$0.08
2016Detailed filing. Detailed filing data is available for this year.$0.62$0.18$0.44$2.56$2.63$0.07
2015Detailed filing. Detailed filing data is available for this year.$0.80$0.29$0.51$2.54$2.58$0.05
2014Detailed filing. Detailed filing data is available for this year.$0.66$0.20$0.46$2.38$2.37$0.01
2013Detailed filing. Detailed filing data is available for this year.$0.62$0.17$0.45$2.32$2.30$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.61$0.18$0.43$2.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.75$0.13$0.62$2.42
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.78$0.13$0.65$2.42