Civic Intelligence

Christian Crusaders

990 • Fiscal year 2020 • EIN 42-6005773

Jan 01, 2020 to Dec 31, 2020 • Filed on May 15, 2021

7401 University AveCedar Falls, IA 50613-5099

(319) 277-0924

Siviq Scores

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

Liabilities / Assets

37th percentile

0.01x

Higher debt load relative to assets than 37% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Liabilities / Revenue

40th percentile

0.02x

Higher debt load relative to revenue than 40% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Net Margin

35th percentile

-1.0%

Higher net margin than 35% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Top Officer Pay

77th percentile

$71,446

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 17.9% of source-year revenue.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Asset Growth

31st percentile

-0.6%

Faster asset growth than 31% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Revenue Growth

94th percentile

120%

Faster revenue growth than 94% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Assets

Down

$972,850

Down $5,394 (-0.6%) from 2019

Net Assets

Down

$965,312

Down $4,093 (-0.4%) from 2019

Liabilities

Down

$7,538

Down $1,301 (-15%) from 2019

Revenue

Up

$399,981

Up $218,415 (+120%) from 2019

Expenses

Down

$404,074

Down $10,673 (-2.6%) from 2019

Net Income

Up

-$4,093

Up $229,088 (+98%) from 2019

Historical Trend

Balance Sheet Trend

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

$2.0M$1.5M$1.0M$500K$0Assets 2011: $1,316,447Liabilities 2011: $0Net Assets 2011: $1,316,4472011Assets 2012: $1,521,321Liabilities 2012: $0Net Assets 2012: $1,521,3212012Assets 2013: $1,731,936Liabilities 2013: $0Net Assets 2013: $1,731,9362013Assets 2014: $1,548,231Liabilities 2014: $0Net Assets 2014: $1,548,2312014Assets 2015: $1,361,298Liabilities 2015: $0Net Assets 2015: $1,361,2982015Assets 2016: $1,095,096Liabilities 2016: $0Net Assets 2016: $1,095,0962016Assets 2017: $1,060,336Liabilities 2017: $0Net Assets 2017: $1,060,3362017Assets 2018: $1,202,586Liabilities 2018: $0Net Assets 2018: $1,202,5862018Assets 2019: $978,244Liabilities 2019: $8,839Net Assets 2019: $969,4052019Assets 2020: $972,850Liabilities 2020: $7,538Net Assets 2020: $965,3122020Assets 2021: $877,992Liabilities 2021: $25,920Net Assets 2021: $852,0722021Assets 2022: $811,143Liabilities 2022: $13,791Net Assets 2022: $797,3522022Assets 2023: $561,427Liabilities 2023: $7,554Net Assets 2023: $553,8732023Assets 2024: $468,040Liabilities 2024: $12,847Net Assets 2024: $455,1932024

Highlighted filing

2020

Assets$972,850
Liabilities$7,538
Net Assets$965,312

Operations Trend

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

$1.0M$500K$0-$500KExpenses 2011: $307,7402011Expenses 2012: $321,5642012Revenue 2013: $582,057Expenses 2013: $371,442Net Income 2013: $210,6152013Revenue 2014: $211,943Expenses 2014: $395,503Net Income 2014: -$183,5602014Revenue 2015: $238,584Expenses 2015: $425,517Net Income 2015: -$186,9332015Revenue 2016: $154,036Expenses 2016: $420,238Net Income 2016: -$266,2022016Revenue 2017: $381,931Expenses 2017: $416,691Net Income 2017: -$34,7602017Revenue 2018: $565,134Expenses 2018: $422,884Net Income 2018: $142,2502018Revenue 2019: $181,566Expenses 2019: $414,747Net Income 2019: -$233,1812019Revenue 2020: $399,981Expenses 2020: $404,074Net Income 2020: -$4,0932020Revenue 2021: $305,632Expenses 2021: $418,872Net Income 2021: -$113,2402021Revenue 2022: $332,228Expenses 2022: $386,948Net Income 2022: -$54,7202022Revenue 2023: $147,808Expenses 2023: $391,287Net Income 2023: -$243,4792023Revenue 2024: $192,630Expenses 2024: $291,310Net Income 2024: -$98,6802024

Highlighted filing

2020

Revenue$399,981
Expenses$404,074
Net Income-$4,093
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 15, 2021
Return Version
2020v4.0
Gross Receipts
$945,532
Mission and Program Overview

Mission

Christian radio broadcasts

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$869,920$520,769▼ $349,151
Savings and Temporary Cash Investments$108,324$449,800▲ $341,476
Total Assets$978,244$972,850▼ $5,394
Other Assets Total-$2,281-
Liabilities
Accounts Payable and Accrued Expenses$8,839$7,538▼ $1,301
Total Liabilities$8,839$7,538▼ $1,301
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$816,727$812,634▼ $4,093
Net Assets With Donor Restrictions$152,678$152,678→ $0
Total Net Assets Fund Balance$969,405$965,312▼ $4,093
Total Liabilities and Net Assets / Fund Balance$978,244$972,850▼ $5,394

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2020$152,678-▲ $5,533$5,533$152,678
2019$152,678-▲ $9,644$9,644$152,678
2018$152,678-▲ $5,279$5,279$152,678
2017$152,678-▲ $9,190$9,190$152,678
2016$152,678-▲ $5,454$5,454$152,678
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Matt ReisetterExec DirectoFT$71,446$71,446

Board Members and Trustees

NameTitle
Dave ElsePresident
Adrian TalbotBoard Member
Dan SchofieldBoard Member
Dave PletscherBoard Member
Don LilleskovBoard Member
Larry LeutzingerBoard Member
Laurie LarsenSecretary
Jim GerberTreasurer
Tim BoettgerVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$345,180
Program Service Revenue
$0
Investment Income
$51,906
Other Revenue
$2,895
All Other Contributions
$345,180
Change in Net Assets
$-4,093
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$305,398
Salaries, Compensation, and Employee Benefits$98,676
Total Fundraising Expense$19,740
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$42,868$14,289$14,289$71,446
Fees for Services Other$51,076$9,470$2,171$62,717
Other Salaries and Wages$11,037$7,159$2,022$20,218
Office Expenses-$11,676-$11,676
Payroll Taxes$4,124$1,640$1,248$7,012
Fees for Service Investment Mgmnt Fees-$5,242-$5,242
Fees for Services Accounting-$4,290-$4,290
Insurance-$2,999-$2,999
Other Expenses$838$1,200-$1,200
All Other Expenses-$1,053-$1,053
Advertising$458$153-$611
Interest-$108-$108
Conferences and Meetings-$29$10$39
Travel$9$8-$17
Total Functional Expenses$324,180$60,154$19,740$404,074
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
Audit committee
No
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
No
Conflict-of-interest policy
No
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

No review was or will be conducted.

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

The executive director's compensation is reviewed annually by the executive committee of the organization. Any change's to the executive director's compensation is voted on by the executive committee and is documented in the board of minutes.

Form 990, Page 6, Part VI, Line 19

No documents available to the public.

Filing and Contact Details

Filer

Filer Name
Christian Crusaders
EIN
42-6005773
Phone
3192770924
Address
7401 UNIVERSITY AVE, CEDAR FALLS, IA 50613-5099

Signing Officer

Name
Matt Reisetter
Title
Exec Director
Phone
3192770924
Signed
2021-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dave Else
Formed
1936
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
3

Preparer

Firm
Carney Alexander Marold & Co Llp
Address
PO BOX 1290, WATERLOO, IA 50704-1290
Preparer
Janel Ruzicka
Phone
3192333318
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Preaching stipends 26,600 0 0 contracted services 24,476 9,470 2,171 total 51,076 9,470 2,171

Financial Statement Notes

Schedule D, Page 2, Part V, Line 4

The assets held in the endowment fund are permanently restricted. Only the investment income generated from the permanently restricted assets may be used for program-related expenses.

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IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc1PART II, LINE 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0110945
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0102897
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0105506
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0109160
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0103294
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0531802
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt020989
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt030801
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt027730
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt025489
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt027702
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0132711
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt02895
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt0946
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt013
IRS990ScheduleA/OtherIncome170Grp/TotalAmt03854
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.78200
IRS990ScheduleA/PublicSupportPY170Pct00.77310
IRS990ScheduleA/PublicSupportTotal170Amt0522669
IRS990ScheduleA/SubstantialContributorsTotAmt09133
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0110945
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0102897
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0105506
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0109160
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0103294
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0531802
IRS990ScheduleA/TotalSupportAmt0668367
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/CYEndwmtFundGrp/BeginningYearBalanceAmt0152678
IRS990ScheduleD/CYEndwmtFundGrp/EndYearBalanceAmt0152678
IRS990ScheduleD/CYEndwmtFundGrp/InvestmentEarningsOrLossesAmt05533
IRS990ScheduleD/CYEndwmtFundGrp/OtherExpendituresAmt05533
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/BeginningYearBalanceAmt0152678
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/EndYearBalanceAmt0152678
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt09644
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/OtherExpendituresAmt09644
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/BeginningYearBalanceAmt0152678
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/EndYearBalanceAmt0152678
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt05279
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/OtherExpendituresAmt05279
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/BeginningYearBalanceAmt0152678
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/EndYearBalanceAmt0152678
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt09190
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/OtherExpendituresAmt09190
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/BeginningYearBalanceAmt0152678
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/EndYearBalanceAmt0152678
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt05454
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/OtherExpendituresAmt05454
IRS990ScheduleD/EndowmentsHeldRelatedOrgInd0false
IRS990ScheduleD/EndowmentsHeldUnrelatedOrgInd0false
IRS990ScheduleD/PrmnntEndowmentBalanceEOYPct01.00000
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ASSETS HELD IN THE ENDOWMENT FUND ARE PERMANENTLY RESTRICTED. ONLY THE INVESTMENT INCOME GENERATED FROM THE PERMANENTLY RESTRICTED ASSETS MAY BE USED FOR PROGRAM-RELATED EXPENSES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART V, LINE 4
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE EXECUTIVE DIRECTOR'S COMPENSATION IS REVIEWED ANNUALLY BY THE EXECUTIVE COMMITTEE OF THE ORGANIZATION. ANY CHANGE'S TO THE EXECUTIVE DIRECTOR'S COMPENSATION IS VOTED ON BY THE EXECUTIVE COMMITTEE AND IS DOCUMENTED IN THE BOARD OF MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PREACHING STIPENDS 26,600 0 0 CONTRACTED SERVICES 24,476 9,470 2,171 TOTAL 51,076 9,470 2,171
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0978244
IRS990/TotalAssetsEOYAmt0972850
IRS990/TotalAssetsGrp/BOYAmt0978244
IRS990/TotalAssetsGrp/EOYAmt0972850
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0345180
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt019740
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt060154
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0324180
IRS990/TotalFunctionalExpensesGrp/TotalAmt0404074
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08839
IRS990/TotalLiabilitiesEOYAmt07538
IRS990/TotalLiabilitiesGrp/BOYAmt08839
IRS990/TotalLiabilitiesGrp/EOYAmt07538
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0969405
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0965312
IRS990/TotalProgramServiceExpensesAmt0324180
IRS990/TotalReportableCompFromOrgAmt071446
IRS990/TotalRevenueGrp/ExclusionAmt054801
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0399981
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0978244
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0972850
IRS990/TravelGrp/ManagementAndGeneralAmt08
IRS990/TravelGrp/ProgramServicesAmt09
IRS990/TravelGrp/TotalAmt017
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt07401 UNIVERSITY AVE
IRS990/USAddress/CityNm0CEDAR FALLS
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd0506135099
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.CHRISTIANCRUSADERS.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MATT REISETTER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXEC DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum03192770924
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHRISTIAN CRUSADERS
ReturnHeader/Filer/BusinessNameControlTxt0CHRI
ReturnHeader/Filer/EIN0426005773
ReturnHeader/Filer/PhoneNum03192770924
ReturnHeader/Filer/USAddress/AddressLine1Txt07401 UNIVERSITY AVE

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.47$0.01$0.46$0.19$0.29$0.10
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.56$0.01$0.55$0.15$0.39$0.24
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.81$0.01$0.80$0.33$0.39$0.05
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.88$0.03$0.85$0.31$0.42$0.11
2020Detailed filing. Detailed filing data is available for this year.$0.97$0.01$0.97$0.40$0.40$0.00
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.98$0.01$0.97$0.18$0.41$0.23
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.20$0.00$1.20$0.57$0.42$0.14
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.06$0.00$1.06$0.38$0.42$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.10$0.00$1.10$0.15$0.42$0.27
2015Detailed filing. Detailed filing data is available for this year.$1.36$0.00$1.36$0.24$0.43$0.19
2014Detailed filing. Detailed filing data is available for this year.$1.55$0.00$1.55$0.21$0.40$0.18
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.73$0.00$1.73$0.58$0.37$0.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.52$0.00$1.52$0.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.32$0.00$1.32$0.31