Civic Intelligence

Aggregate & Ready MIX Association of Minnesota

990 • Fiscal year 2013 • EIN 41-0989986

Jul 01, 2012 to Jun 30, 2013 • Filed on Feb 11, 2014

674 Transfer Road PO Box 14345Saint Paul, MN 55114
Siviq Scores

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

Liabilities / Assets

85th percentile

0.58x

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

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

35th percentile

0.10x

Higher debt load relative to revenue than 35% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Net Margin

32nd percentile

-0.4%

Higher net margin than 32% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

90th percentile

31%

Faster asset growth than 90% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

87th percentile

20%

Faster revenue growth than 87% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Assets

Up

$269,588

Up $64,289 (+31%) from 2012

Net Assets

Down

$113,643

Down $6,490 (-5.4%) from 2012

Liabilities

Up

$155,945

Up $70,779 (+83%) from 2012

Revenue

Up

$1,616,837

Up $272,150 (+20%) from 2012

Expenses

Up

$1,623,327

Up $312,785 (+24%) from 2012

Net Income

Down

-$6,490

Down $40,635 (-119%) from 2012

Historical Trend

Balance Sheet Trend

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

$800K$600K$400K$200K$0Assets 2011: $152,682Liabilities 2011: $66,694Net Assets 2011: $85,9882011Assets 2012: $205,299Liabilities 2012: $85,166Net Assets 2012: $120,1332012Assets 2013: $269,588Liabilities 2013: $155,945Net Assets 2013: $113,6432013Assets 2014: $335,101Liabilities 2014: $190,291Net Assets 2014: $144,8102014Assets 2015: $307,481Liabilities 2015: $117,686Net Assets 2015: $189,7952015Assets 2016: $602,101Liabilities 2016: $399,868Net Assets 2016: $202,2332016Assets 2017: $288,846Liabilities 2017: $128,642Net Assets 2017: $160,2042017Assets 2018: $234,056Liabilities 2018: $170,129Net Assets 2018: $63,9272018Assets 2019: $277,985Liabilities 2019: $153,468Net Assets 2019: $124,5172019Assets 2020: $293,521Liabilities 2020: $169,371Net Assets 2020: $124,1502020Assets 2021: $415,364Liabilities 2021: $179,350Net Assets 2021: $236,0142021Assets 2022: $513,476Liabilities 2022: $153,099Net Assets 2022: $360,3772022Assets 2023: $553,545Liabilities 2023: $211,070Net Assets 2023: $342,4752023Assets 2024: $420,322Liabilities 2024: $196,341Net Assets 2024: $223,9812024Assets 2025: $437,934Liabilities 2025: $198,260Net Assets 2025: $239,6742025

Highlighted filing

2013

Assets$269,588
Liabilities$155,945
Net Assets$113,643

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2011: $1,059,5812011Revenue 2012: $1,344,687Expenses 2012: $1,310,542Net Income 2012: $34,1452012Revenue 2013: $1,616,837Expenses 2013: $1,623,327Net Income 2013: -$6,4902013Revenue 2014: $1,780,151Expenses 2014: $1,748,984Net Income 2014: $31,1672014Revenue 2015: $2,021,176Expenses 2015: $1,976,191Net Income 2015: $44,9852015Revenue 2016: $1,298,809Expenses 2016: $1,286,371Net Income 2016: $12,4382016Revenue 2017: $1,119,062Expenses 2017: $1,161,091Net Income 2017: -$42,0292017Revenue 2018: $1,047,551Expenses 2018: $1,143,828Net Income 2018: -$96,2772018Revenue 2019: $1,156,076Expenses 2019: $1,095,486Net Income 2019: $60,5902019Revenue 2020: $856,952Expenses 2020: $857,319Net Income 2020: -$3672020Revenue 2021: $1,001,511Expenses 2021: $889,647Net Income 2021: $111,8642021Revenue 2022: $1,065,543Expenses 2022: $941,180Net Income 2022: $124,3632022Revenue 2023: $1,188,796Expenses 2023: $1,206,698Net Income 2023: -$17,9022023Revenue 2024: $1,202,374Expenses 2024: $1,320,868Net Income 2024: -$118,4942024Revenue 2025: $1,302,149Expenses 2025: $1,286,456Net Income 2025: $15,6932025

Highlighted filing

2013

Revenue$1,616,837
Expenses$1,623,327
Net Income-$6,490
Jump To
Filing Snapshot
Filing Period
Jul 1, 2012 to Jun 30, 2013
Signed
Feb 11, 2014
Return Version
2012v2.1
Gross Receipts
$1,616,837
Mission and Program Overview

Mission

Arm is committed to the aggregate and ready mixed industries to make concrete the construction material of choice through promotion, education, environment, and government issues.

Filing and Contact Details

Filer

EIN
41-0989986
Raw XML AppendixShowing 400 of 477 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.

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IRS990/Description0THE AGGREGATE & READY MIX ASSOCIATION OF MINNESOTA (ARM OR THE ASSOCIATION) IS A STATEWIDE 501(C)(6) NON-PROFIT ASSOCIATION OF PRODUCERS & BUSINESSES WHO HAVE A COMMON INTEREST IN THE PRODUCTION OF AGGREGATE & READY MIX CONCRETE. THE MISSION STATEMENT OF THE ASSOCIATION STATES THAT "ARM IS COMMITTED TO THE AGGREGATE & READY MIX INDUSTRIES THROUGH PROMOTION, EDUCATION, ENVIRONMENT, & GOVERNMENT ISSUES." THE ASSOCIATION WAS FOUNDED IN 1950 & INCORPORATED IN 1972. ARM MEMBERS SERVE ON THE BOARD OF DIRECTORS OF THE NATIONAL READY MIX CONCRETE ASSOCIATION (NRMCA) AND ARE MEMBERS OF THE NATIONAL STONE, SAND & GRAVEL ASSOCIATION (NSSGA) AND THE PCA-NC STEERING COMMITTEE. ARM RECOGNIZES THE OUTSTANDING WORK OF ITS MEMBERSHIP ANNUALLY THROUGH ITS BUILDING EXCELLENCE AWARDS. ARM ALSO ORGANIZES MEMBERSHIP EVENTS INCLUDING AN ANNUAL MEMBERSHIP CONFERENCE TO REVIEW ARM INITIATIVES, EDUCATE ITS MEMBERS AND PARTICIPATE IN PANEL DISCUSSIONS ON NEW AND INNOVATIVE PRODUCTS AND BEST PRACTICES IN THE AGGREGATE AND READY MIX CONCRETE INDUSTRIES. ARM COMMUNICATES REGULARLY WITH ITS MEMBERS THROUGH MEMBER UPDATES. ARM ALSO MAINTAINS A WEB SITE (WWW.CHOOSECONCRETE.COM) TO PROVIDE EDUCATION OF AGGREGATE AND READY MIX CONCRETE TO OWNERS, SPECIFIERS AND CONTRACTORS IN MINNESOTA AS WELL AS ARM MEMBERS.ARM WORKS VIGOROUSLY TO ENSURE THAT ITS MEMBERS AND THEIR CUSTOMERS ARE KEPT CURRENT OF THE LATEST TECHNOLOGIES AND DEVELOPMENTS. TO ACCOMPLISH THIS GOAL, ARM SPONSORS THE ACI TECHNICAL CERTIFICATION TRAINING IN CONJUNCTION WITH THE MINNESOTA DEPARTMENT OF TRANSPORTATION AND LAKE SUPERIOR COLLEGE, DULUTH, MN. ARM OFFERS THE FOLLOWING CERTIFICATION COURSES THROUGH THIS COOPERATIVE EFFORT: AGGREGATE PRODUCTION 1: CONCRETE FIELD TESTING TECHNICIAN LEVEL 1; CONCRETE FIELD II; ACI CONCRETE FINISHER PROGRAM; CONCRETE PLANT I; CONCRETE PLANT I RECERTIFICATION; CONCRETE PLANT II; AND CONCRETE PLANT II RECERTIFICATION. ARM ALSO PROVIDES CONCRETE PAVEMENT SALES AND PERVIOUS CONCRETE TRAINING. IN FY2013, ARM CONTRACTED TO DELIVER REGISTRATION SERVICES FOR ALL MNDOT PAVING MATERIALS CERTIFICATIONS INCLUDING MORE THAN 3,000 STUDENTS SEEKING CERTIFICATION FOR CONCRETE, ASPHALT, BRIDGES AND OTHER MNDOT PROGRAMS.ARM PARTNERS WITH THE PCA-NC STEERING COMMITTEE TO PROMOTE CONCRETE PARKING LOTS AND LOCAL STREETS IN MINNESOTA THROUGH A PARTNERSHIP WITH THE CONCRETE PAVING ASSOCIATION OF MINNESOTA (CPAM) AND THE FIELD PROMOTER FOR PCA-NC. ARM STAFF WORKS WITH ARM MEMBERS TO INCREASE THE MARKET SHARE FOR CONCRETE IN THESE MARKETS THROUGH THIS SIGNIFICANT JOINT EFFORT WITH PCA-NC.ARM MEMBERS AND THE ARM EXECUTIVE DIRECTOR WORK WITH THE LEGISLATIVE CONSULTING FIRM, EWALD CONSULTING, TO REPRESENT ARM MEMBERS AT THE MINNESOTA LEGISLATURE, STATE AGENCIES AND LOCAL GOVERNMENT BODIES ON REGULATORY AND PUBLIC POLICY ISSUES IMPACTING THE AGGREGATE AND READY MIX INDUSTRIES IN MINNESOTA.THE ASSOCIATION ACCOMPLISHES ITS WORK THROUGH A COMMITTEE STRUCTURE THAT OVERSEES A NUMBER OF MAJOR INITIATIVES. THE AGGREGATE COMMITTEE MANAGES LEGISLATIVE INITIATIVES INVOLVING THE TAXATION AND REGULATION OF AGGREGATE MINING BY FEDERAL, STATE AND LOCAL GOVERNMENT. ARM PARTICIPATES IN EDUCATIONAL WORKSHOPS AND STATEWIDE CONFERENCES DESIGNED TO INCREASE PUBLIC AWARENESS OF THE AGGREGATE MINING INDUSTRY IN MINNESOTA AND THE USES AND BENEFITS OF A DEPENDABLE LOCAL SOURCE OF AGGREGATE PRODUCTS. ARM SUPPORTS THE MINNESOTA CENTER FOR MINERAL RESOURCES EDUCATION (MCMRE) A 501(C)(3) CHARITABLE EDUCATION ORGANIZATION FOCUSED ON SUPPORTING K-12 SCIENCE TEACHERS UNDERSTANDING OF THE MINERALS INDUSTRY IN MINNESOTA THROUGH ANNUAL MINNESOTA MINERALS EDUCATION WORKSHOPS (MMEW). THE TECHNICAL COMMITTEE MONITORS NEW TECHNOLOGY IN THE AGGREGATE AND READY MIX CONCRETE INDUSTRIES AND WORKS WITH STATE AND LOCAL AGENCIES TO EDUCATE REGULATORS ON THE BENEFITS OF PERFORMANCE STANDARDS FOR CONSTRUCTION MATERIALS. ARM ALSO SUPPORTS RESEARCH PROJECTS INCLUDING PERVIOUS CONCRETE RESEARCH AT THE MNROAD PAVEMENT RESEARCH FACILITY IN AL
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IRS990/ProgramServiceRevenue/TotalRevenueColumn01242709
IRS990/ProgramServiceRevenue/TotalRevenueColumn1327186
IRS990/ProgramServiceRevenue/TotalRevenueColumn220430
IRS990/ProhibitedTaxShelterTrans00
IRS990/ReconcilationOtherChanges00
IRS990/ReconcilationRevenueExpenses0-6490
IRS990/RelatedEntity01
IRS990/RelatedOrgControlledEntity00
IRS990/ReportFin48Footnote01
IRS990/ReportInvestOthSecurities01
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities00
IRS990/ReportProgRelInvest00
IRS990/RevenuesLessExpensesCY0-6490
IRS990/RevenuesLessExpensesPriorYear034145
IRS990/SalariesEtcCurrentYear0283671
IRS990/SalariesEtcPriorYear0255331
IRS990ScheduleB/ContributorInfo/AggregateContributions0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/City0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNameBusiness/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNumber0RESTRICTED
IRS990/ScheduleBRequired01
IRS990ScheduleC/AggrAmtReportedInDuesNotices0195020
IRS990ScheduleC/AgreeToCarryoverPriorYear00
IRS990ScheduleC/DuesAssessments0327186
IRS990ScheduleC/NonDedLobbyPoliticalCarryover0-1032
IRS990ScheduleC/NonDedLobbyPoliticalCurrent0194421
IRS990ScheduleC/NonDedLobbyPoliticalTotal0193389
IRS990ScheduleC/OnlyInHouseLobbying00
IRS990ScheduleC/SubstantiallyAllDuesNondeduct00
IRS990ScheduleC/TaxableAmount0-1631
IRS990ScheduleD/Equipment/BookValue01227
IRS990ScheduleD/Equipment/Depreciation011240
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis012467
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0FIN 48 DISCLOSURE FROM REVIEWED FINANCIAL STATEMENTS: THE ASSOCIATION QUALIFIES AS A TAX-EXEMPT ORGANIZATION UNDER INTERNAL REVENUE CODE SECTION 501(C)(6) AND IS SUBJECT TO FEDERAL AND STATE INCOME TAX ONLY ON NET UNRELATED BUSINESS INCOME. THE ASSOCIATION ALSO QUALIFIES AS A TAX-EXEMPT ORGANIZATION UNDER APPLICABLE STATUTES OF THE STATE OF MINNESOTA. THERE WAS NO INCOME TAX EXPENSE OR CASH PAID FOR INCOME TAXES FOR THE YEARS ENDED JUNE 30, 2013 AND 2012. THE ASSOCIATION REVIEWS INCOME TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN INCOME TAX RETURNS TO DETERMINE IF THERE ARE ANY INCOME TAX UNCERTAINTIES. THIS INCLUDES POSITIONS THAT THE ENTITY IS EXEMPT FROM INCOME TAXES OR NOT SUBJECT TO INCOME TAXES ON UNRELATED BUSINESS INCOME. THE ASSOCIATION RECOGNIZES TAX BENEFITS FROM UNCERTAIN TAX POSITIONS ONLY IF IT IS MORE LIKELY THAN NOT THAT THE TAX POSITIONS WILL BE SUSTAINED ON EXAMINATION BY TAXING AUTHORITIES, BASED ON THE TECHNICAL MERITS OF THE POSITION. THE ASSOCIATION HAS IDENTIFIED NO INCOME TAX UNCERTAINTIES. THE ASSOCIATIONS FEDERAL AND STATE INCOME TAX RETURNS ARE OPEN TO EXAMINATION FOR TAX YEARS 2010 THROUGH 2012.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART X, LINE 2:
IRS990ScheduleD/OtherSecurities/BookValue074554
IRS990ScheduleD/OtherSecurities/BookValue11951
IRS990ScheduleD/OtherSecurities/Description0OPERATING RESERVE FUND
IRS990ScheduleD/OtherSecurities/Description1HOME SPECIALIST CERTIFIED MARK
IRS990ScheduleD/OtherSecurities/MethodOfValuation0C
IRS990ScheduleD/OtherSecurities/MethodOfValuation1C
IRS990ScheduleD/TotalOfBookValueLandBuildings01227
IRS990ScheduleD/TotalOfBookValueSecurities076505
IRS990/ScheduleJRequired00
IRS990ScheduleO/GeneralExplanation/Explanation0THERE ARE TWO TYPES OF MEMBERS: PRODUCER MEMBERS AND ASSOCIATE MEMBERS. ARTICLE 2 OF THE ORGANIZATION'S BYLAWS DESCRIBE THE MEMBER CLASSES, THEIR RIGHTS AND RESPONSIBILITIES.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS ELECT A BOARD OF DIRECTORS CONSISTING OF PRODUCERS AND ASSOCIATES.
IRS990ScheduleO/GeneralExplanation/Explanation2MEMBERS APPROVE OF THE BY-LAWS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE EXECUTIVE DIRECTOR AND TREASURER REVIEW FORM 990 WITH THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation4CEO AND OTHER EXECUTIVE COMPENSATION AND BENEFITS ARE REVIEWED ANNUALLY BY THE EXECUTIVE COMMITTEE.
IRS990ScheduleO/GeneralExplanation/Explanation5THE ORGANIZATION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST AT THE OFFICES OF THE CORPORATION.
IRS990ScheduleO/GeneralExplanation/Explanation6THE PROCESS HAS NOT CHANGED IN THE PAST YEAR
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART XII, LINE 2C:
IRS990/ScheduleORequired01
IRS990ScheduleR/DividendsRelatedOrganization00
IRS990ScheduleR/ExchangeOfAssets00
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine10674 TRANSFER ROAD PO BOX 14345
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City0ST PAUL
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/State0MN
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/ZIPCode055114
IRS990ScheduleR/Form990ScheduleRPartII/ControlledOrg00
IRS990ScheduleR/Form990ScheduleRPartII/DirectControllingEntityNA0N/A
IRS990ScheduleR/Form990ScheduleRPartII/EIN0271301739
IRS990ScheduleR/Form990ScheduleRPartII/ExemptCodeSection0527
IRS990ScheduleR/Form990ScheduleRPartII/LegalDomicileState0MN
IRS990ScheduleR/Form990ScheduleRPartII/NameOfDisregardedEntity/BusinessNameLine10ARM- POLITICAL ACTION COMMITTEE
IRS990ScheduleR/Form990ScheduleRPartII/PrimaryActivities0POLITICAL ACTION COMMITTEE
IRS990ScheduleR/Form990ScheduleRPartII/PublicCharityStatus0N/A
IRS990ScheduleR/GiftGrantOrCapContrFrOtherOrg00
IRS990ScheduleR/GiftGrantOrCapContrToOtherOrg00
IRS990ScheduleR/LoansOrGuaranteesFromOtherOrg00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrg00
IRS990ScheduleR/OtherTransferFromOtherOrg00
IRS990ScheduleR/OtherTransferToOtherOrg00
IRS990ScheduleR/PerformOfServicesByOtherOrgs00
IRS990ScheduleR/PerformOfServicesForOtherOrgs00
IRS990ScheduleR/PurchaseOfAssetsFromOtherOrg00
IRS990ScheduleR/ReceiptOfIntAnnRentsRoyalties00
IRS990ScheduleR/ReimbursementPaidByOtherOrg00
IRS990ScheduleR/ReimbursementPaidToOtherOrg00
IRS990ScheduleR/RentalOfFacilitiesFrOtherOrgs00
IRS990ScheduleR/RentalOfFacilitiesToOtherOrgs00
IRS990ScheduleR/SaleOfAssetsToOtherOrg00
IRS990ScheduleR/SharingOfFacilities00
IRS990ScheduleR/SharingOfPaidEmployees00
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0MN
IRS990/SubjectToProxyTax01
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.44$0.20$0.24$1.30$1.29$0.02
2024Detailed filing. Detailed filing data is available for this year.$0.42$0.20$0.22$1.20$1.32$0.12
2023Detailed filing. Detailed filing data is available for this year.$0.55$0.21$0.34$1.19$1.21$0.02
2022Detailed filing. Detailed filing data is available for this year.$0.51$0.15$0.36$1.07$0.94$0.12
2021Detailed filing. Detailed filing data is available for this year.$0.42$0.18$0.24$1.00$0.89$0.11
2020Detailed filing. Detailed filing data is available for this year.$0.29$0.17$0.12$0.86$0.86$0.00
2019Detailed filing. Detailed filing data is available for this year.$0.28$0.15$0.12$1.16$1.10$0.06
2018Detailed filing. Detailed filing data is available for this year.$0.23$0.17$0.06$1.05$1.14$0.10
2017Summary only. Only limited summary data is available for this year.$0.29$0.13$0.16$1.12$1.16$0.04
2016Detailed filing. Detailed filing data is available for this year.$0.60$0.40$0.20$1.30$1.29$0.01
2015Detailed filing. Detailed filing data is available for this year.$0.31$0.12$0.19$2.02$1.98$0.04
2014Detailed filing. Detailed filing data is available for this year.$0.34$0.19$0.14$1.78$1.75$0.03
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.27$0.16$0.11$1.62$1.62$0.01
2012Summary only. Only limited summary data is available for this year.$0.21$0.09$0.12$1.34$1.31$0.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.15$0.07$0.09$1.06