Civic Intelligence

Bibletelling

990EZ • Fiscal year 2017 • EIN 45-2780444

Jul 01, 2016 to Jun 30, 2017 • Filed on Feb 12, 2018

Refreshing map…

2905 Gill StreetBloomington, IL 61704

(309) 826-0988

Siviq Scores

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

Liabilities / Assets

68th percentile

0.03x

Higher debt load relative to assets than 68% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Liabilities / Revenue

64th percentile

0.01x

Higher debt load relative to revenue than 64% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Net Margin

48th percentile

2.4%

Higher net margin than 48% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Top Officer Pay

100th percentile

$100,047

Higher top officer pay than 100% of similar nonprofits.

Top officer pay equals 66.2% of source-year revenue.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Asset Growth

53rd percentile

3.6%

Faster asset growth than 53% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

93rd percentile

97%

Faster revenue growth than 93% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Assets

Up

$58,492

Up $2,011 (+3.6%) from 2016

Net Assets

Up

$56,633

Up $3,616 (+6.8%) from 2016

Liabilities

Down

$1,859

Down $1,605 (-46%) from 2016

Revenue

Up

$151,224

Up $74,378 (+97%) from 2016

Expenses

Up

$147,608

Up $63,878 (+76%) from 2016

Net Income

Up

$3,616

Up $10,500 (+153%) from 2016

Historical Trend

Balance Sheet Trend

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

$100K$50K$0Assets 2012: $10,164Liabilities 2012: $1,9952012Assets 2013: $57,335Liabilities 2013: $31,610Net Assets 2013: $25,7252013Assets 2014: $27,035Liabilities 2014: $9752014Assets 2015: $60,964Liabilities 2015: $1,063Net Assets 2015: $59,9012015Assets 2016: $56,481Liabilities 2016: $3,464Net Assets 2016: $53,0172016Assets 2017: $58,492Liabilities 2017: $1,859Net Assets 2017: $56,6332017Assets 2018: $62,131Liabilities 2018: $4,742Net Assets 2018: $57,3892018Assets 2019: $83,425Liabilities 2019: $2,411Net Assets 2019: $81,0142019Assets 2020: $98,072Liabilities 2020: $3,097Net Assets 2020: $94,9752020Assets 2021: $65,657Liabilities 2021: $1,193Net Assets 2021: $64,4642021Assets 2022: $86,438Liabilities 2022: $2,141Net Assets 2022: $84,2972022Assets 2023: $50,652Liabilities 2023: $7832023Assets 2025: $89,525Liabilities 2025: $333Net Assets 2025: $89,1922025

Highlighted filing

2017

Assets$58,492
Liabilities$1,859
Net Assets$56,633

Operations Trend

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

$200K$100K$0-$100KRevenue 2012: $26,744Expenses 2012: $18,575Net Income 2012: $8,1692012Revenue 2013: $81,726Expenses 2013: $64,170Net Income 2013: $17,5562013Revenue 2014: $100,199Expenses 2014: $99,864Net Income 2014: $3352014Revenue 2015: $131,950Expenses 2015: $98,109Net Income 2015: $33,8412015Revenue 2016: $76,846Expenses 2016: $83,730Net Income 2016: -$6,8842016Revenue 2017: $151,224Expenses 2017: $147,608Net Income 2017: $3,6162017Revenue 2018: $121,106Expenses 2018: $120,339Net Income 2018: $7672018Revenue 2019: $183,069Expenses 2019: $159,444Net Income 2019: $23,6252019Revenue 2020: $79,925Expenses 2020: $65,964Net Income 2020: $13,9612020Revenue 2021: $23,615Expenses 2021: $54,127Net Income 2021: -$30,5122021Revenue 2022: $81,292Expenses 2022: $61,459Net Income 2022: $19,8332022Revenue 2023: $47,803Expenses 2023: $82,233Net Income 2023: -$34,4302023Revenue 2025: $87,681Expenses 2025: $31,538Net Income 2025: $56,1432025

Highlighted filing

2017

Revenue$151,224
Expenses$147,608
Net Income$3,616
Jump To
Filing Snapshot
Filing Period
Jul 1, 2016 to Jun 30, 2017
Signed
Feb 12, 2018
Return Version
2016v3.0
Gross Receipts
$153,978
Mission and Program Overview

Mission

Train in the telling of bible stories

Program Services

DescriptionGrantsExpenses
BibleTelling is used to empower people worldwide to easily learn and teach Bible stories This past year BibleTelling has worked in Israel and the United States-$142,389
Prison Ministry assist with literacy education by teaching Bible stories The Bible provides moral teaching produces positive behavioral changes and leads to a faith in God-$1,001
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gerald KamphuisEmployeeFT$100,047-$100,047
John D WalshPresidentFT$0--
Joyce HagbergVice President-$0--
Janice B WalshSecretary TreasurerPT$0--
Joe HorineMember-$0--
Mark GetzMember-$0--
Filing and Contact Details

Filer

Filer Name
BibleTelling
EIN
45-2780444
Address
2905 Gill Street, Bloomington, IL 61704

Signing Officer

Name
Janice B Walsh
Title
Secretary Treas
Phone
3096622264
Signed
2018-02-12
Discuss with paid preparer
Yes

Preparer

Firm
Stewart Financial Services LLC
Address
3114 Providence Drive, Bloomington, IL 61704
Preparer
Shannon M Stewart EA
Phone
3096622264
Supplemental Narrative

Additional Explanations

General explanation attachment

Part V Form 990EZList of States with which a copy of the return is filedReligious Exemption from filing with Illinois

Description of other expenses Part I line 16

Description AmountDepreciation from 4562 4,218Amortization from 4562 57Insurance 475Travel 7,401Website 1,156Operations 17,631Education 130

Description of other assets Part II line 24

Category Beginning of Year End of YearEquipment 12,665 20,213Start Up 561 504Inventory 7,638 4,615Adj 0 13

Description of total liabilities Part II line 26

Category Beginning of Year End of YearBank of America 2,163 0Accounts Payable 60 60Citi 1,235 1,675Sales Tax 6 117Payroll Liabilities 0 7

Raw XML Appendix176 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/PersonNm0Janice B Walsh
IRS990EZ/BooksInCareOfDetail/PhoneNum03098260988
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt02905 Gill Street
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Bloomington
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd061704
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt035617
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt033147
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt0136444
IRS990EZ/CostOfGoodsSoldAmt02754
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt03616
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt04380
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt056481
IRS990EZ/Form990TotalAssetsGrp/EOYAmt058492
IRS990EZ/GrossProfitLossSlsOfInvntryAmt015
IRS990EZ/GrossReceiptsAmt0153978
IRS990EZ/GrossSalesOfInventoryAmt02769
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt053017
IRS990EZ/NetAssetsOrFundBalancesEOYAmt056633
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt053017
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt056633
IRS990EZ/OccupancyRentUtltsAndMaintAmt09345
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt230.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt540.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt5100047
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0John D Walsh
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Joyce Hagberg
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Janice B Walsh
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Joe Horine
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Mark Getz
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Gerald Kamphuis
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Employee
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt020864
IRS990EZ/OtherAssetsTotalDetail/EOYAmt025345
IRS990EZ/OtherExpensesTotalAmt031068
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Train in the telling of Bible Stories
IRS990EZ/PrintingPublicationsPostageAmt02719
IRS990EZ/ProgramServiceRevenueAmt014765
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0BibleTelling is used to empower people worldwide to easily learn and teach Bible stories This past year BibleTelling has worked in Israel and the United States
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1Prison Ministry assist with literacy education by teaching Bible stories The Bible provides moral teaching produces positive behavioral changes and leads to a faith in God
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0142389
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt11001
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt0100096
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0IL
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt03464
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt01859
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0147608
IRS990EZ/TotalProgramServiceExpensesAmt0143390
IRS990EZ/TotalRevenueAmt0151224
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.bibletelling.org
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0136444
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt018569
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt049535
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt032323
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt020550
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0257421
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.51800
IRS990ScheduleA/PublicSupportPY170Pct00.32230
IRS990ScheduleA/PublicSupportTotal170Amt0133352
IRS990ScheduleA/SubstantialContributorsTotAmt0124069
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0136444
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt018569
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt049535
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt032323
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt020550
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0257421
IRS990ScheduleA/TotalSupportAmt0257421
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
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Part V Form 990EZList of States with which a copy of the return is filedReligious Exemption from filing with Illinois
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description AmountDepreciation from 4562 4,218Amortization from 4562 57Insurance 475Travel 7,401Website 1,156Operations 17,631Education 130
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Category Beginning of Year End of YearEquipment 12,665 20,213Start Up 561 504Inventory 7,638 4,615Adj 0 13
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Category Beginning of Year End of YearBank of America 2,163 0Accounts Payable 60 60Citi 1,235 1,675Sales Tax 6 117Payroll Liabilities 0 7
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0General explanation attachment
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Description of other assets Part II line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Description of total liabilities Part II line 26
ReturnHeader/BuildTS02018-03-14 21:41:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Janice B Walsh
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Secretary Treas
ReturnHeader/BusinessOfficerGrp/PhoneNum03096622264
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-02-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BibleTelling
ReturnHeader/Filer/BusinessNameControlTxt0BIBL
ReturnHeader/Filer/EIN0452780444
ReturnHeader/Filer/USAddress/AddressLine1Txt02905 Gill Street
ReturnHeader/Filer/USAddress/CityNm0Bloomington
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061704
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F87BBEAE610E00DACC06948729827A1008A855AD
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F87BBEAE610E00DACC06948729827A1008A855AD
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03742802018045kbgp4y4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02018-02-14
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt069.174.154.1
ReturnHeader/FilingSecurityInformation/IPDt02018-02-14
ReturnHeader/FilingSecurityInformation/IPTm020:29:42
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0472997655
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Stewart Financial Services LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03114 Providence Drive
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Bloomington
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd061704
ReturnHeader/PreparerPersonGrp/PhoneNum03096622264
ReturnHeader/PreparerPersonGrp/PreparationDt02018-02-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Shannon M Stewart EA
ReturnHeader/ReturnTs02018-02-14T20:27:19-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02016-07-01
ReturnHeader/TaxPeriodEndDt02017-06-30
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.90$0.00$0.89$0.88$0.32$0.56
2023Summary only. Only limited summary data is available for this year.$0.51$0.01$0.48$0.82$0.34
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.86$0.02$0.84$0.81$0.61$0.20
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.66$0.01$0.64$0.24$0.54$0.31
2020Detailed filing. Detailed filing data is available for this year.$0.98$0.03$0.95$0.80$0.66$0.14
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.83$0.02$0.81$1.83$1.59$0.24
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.62$0.05$0.57$1.21$1.20$0.01
2017Detailed filing. Detailed filing data is available for this year.$0.58$0.02$0.57$1.51$1.48$0.04
2016Detailed filing. Detailed filing data is available for this year.$0.56$0.03$0.53$0.77$0.84$0.07
2015Detailed filing. Detailed filing data is available for this year.$0.61$0.01$0.60$1.32$0.98$0.34
2014Summary only. Only limited summary data is available for this year.$0.27$0.01$1.00$1.00$0.00
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.57$0.32$0.26$0.82$0.64$0.18
2012Summary only. Only limited summary data is available for this year.$0.10$0.02$0.27$0.19$0.08