Civic Intelligence

Hypothekids Inc.

990 • Fiscal year 2016 • EIN 46-3235153

Sep 01, 2015 to Aug 31, 2016 • Filed on Jan 06, 2017

423 West 127th StreetNew York, NY 10027

(212) 633-6160

Siviq Scores

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

Liabilities / Assets

74th percentile

0.03x

Higher debt load relative to assets than 74% of similar nonprofits.

2016 filings • NTEE N • <$500k nonprofits • Source year 2016

Liabilities / Revenue

71st percentile

0.01x

Higher debt load relative to revenue than 71% of similar nonprofits.

2016 filings • NTEE N • <$500k nonprofits • Source year 2016

Net Margin

79th percentile

17%

Higher net margin than 79% of similar nonprofits.

2016 filings • NTEE N • <$500k nonprofits • Source year 2016

Top Officer Pay

99th percentile

$53,739

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 10.9% of source-year revenue.

2016 filings • NTEE N • <$500k nonprofits • Source year 2016

Asset Growth

90th percentile

69%

Faster asset growth than 90% of similar nonprofits.

2016 filings • NTEE N • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

93rd percentile

69%

Faster revenue growth than 93% of similar nonprofits.

2016 filings • NTEE N • <$500k nonprofits • Annualized from 2015 to 2016

Assets

Up

$145,469

Up $59,250 (+69%) from 2015

Net Assets

Up

$141,794

Up $83,734 (+144%) from 2015

Liabilities

Down

$3,675

Down $24,484 (-87%) from 2015

Revenue

Up

$494,716

Up $201,273 (+69%) from 2015

Expenses

Up

$410,982

Up $134,721 (+49%) from 2015

Net Income

Up

$83,734

Up $66,552 (+387%) from 2015

Historical Trend

Balance Sheet Trend

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

$1.0M$500K$0Assets 2014: $55,276Liabilities 2014: $15,240Net Assets 2014: $40,0362014Assets 2015: $86,219Liabilities 2015: $28,159Net Assets 2015: $58,0602015Assets 2016: $145,469Liabilities 2016: $3,675Net Assets 2016: $141,7942016Assets 2017: $267,367Liabilities 2017: $9,324Net Assets 2017: $258,0432017Assets 2018: $255,276Liabilities 2018: $25,210Net Assets 2018: $230,0662018Assets 2019: $346,542Liabilities 2019: $41,524Net Assets 2019: $305,0182019Assets 2020: $379,424Liabilities 2020: $55,407Net Assets 2020: $324,0172020Assets 2021: $438,136Liabilities 2021: $14,788Net Assets 2021: $423,3482021Assets 2022: $649,577Liabilities 2022: $27,545Net Assets 2022: $622,0322022Assets 2023: $865,195Liabilities 2023: $181,493Net Assets 2023: $683,7022023Assets 2024: $865,798Liabilities 2024: $17,217Net Assets 2024: $848,5812024

Highlighted filing

2016

Assets$145,469
Liabilities$3,675
Net Assets$141,794

Operations Trend

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

$1.0M$500K$0-$500KRevenue 2014: $157,386Expenses 2014: $117,350Net Income 2014: $40,0362014Revenue 2015: $293,443Expenses 2015: $276,261Net Income 2015: $17,1822015Revenue 2016: $494,716Expenses 2016: $410,982Net Income 2016: $83,7342016Revenue 2017: $679,897Expenses 2017: $563,648Net Income 2017: $116,2492017Revenue 2018: $529,261Expenses 2018: $540,571Net Income 2018: -$11,3102018Revenue 2019: $525,535Expenses 2019: $450,583Net Income 2019: $74,9522019Revenue 2020: $389,155Expenses 2020: $370,156Net Income 2020: $18,9992020Revenue 2021: $694,478Expenses 2021: $595,147Net Income 2021: $99,3312021Revenue 2022: $918,236Expenses 2022: $719,552Net Income 2022: $198,6842022Revenue 2023: $213,880Expenses 2023: $174,452Net Income 2023: $39,4282023Revenue 2024: $416,408Expenses 2024: $547,529Net Income 2024: -$131,1212024

Highlighted filing

2016

Revenue$494,716
Expenses$410,982
Net Income$83,734
Jump To
Filing Snapshot
Filing Period
Sep 1, 2015 to Aug 31, 2016
Signed
Jan 6, 2017
Return Version
2015v3.0
Gross Receipts
$494,716
Mission and Program Overview

Mission

To provide underserved students with hands-on science and engineering educational and mentorship experiences such that they can thrive in the high tech economy of tomorrow.

SEE ATTACHMENT 1

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$58,060$141,794▲ $83,734
Savings and Temporary Cash Investments$84,499$141,214▲ $56,715
Land, Buildings, and Equipment, Net$1,720$1,032▼ $688
Cash and Non-Interest-Bearing Accounts$0$0→ $0
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$86,219$145,469▲ $59,250
Other Assets Total$0$3,223▲ $3,223
Liabilities
Other Liabilities$5,864$0▼ $5,864
Accounts Payable and Accrued Expenses$22,295$3,675▼ $18,620
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$28,159$3,675▼ $24,484
Net Assets / Fund Balance
Total Net Assets Fund Balance$58,060$141,794▲ $83,734
Total Liabilities and Net Assets / Fund Balance$86,219$145,469▲ $59,250

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,032$2,550$3,582
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Christine KovichDirector/executive DirectorFT$53,739$53,739
Erika GilletteDirector/director of CirriculuPT$38,630$38,630

Board Members and Trustees

NameTitle
David SteinmillerDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$246,555
Program Service Revenue
$248,161
Investment Income
$0
Other Revenue
$0
All Other Contributions
$246,555
Change in Net Assets
$83,734
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$304,836
Other Expenses$106,146
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$209,074$3,393-$212,467
Current Officers, Directors, Trustees, and Key Employees$38,630$53,739-$92,369
All Other Expenses$48,780$9,289-$58,069
Occupancy$10,000$7,960-$17,960
Fees for Services Management-$10,404-$10,404
Travel$7,600--$7,600
Advertising$4,291--$4,291
Insurance$3,200$523-$3,723
Other Expenses$1,462$350-$1,462
Information Technology-$1,096-$1,096
Depreciation Depletion-$688-$688
Office Expenses-$383-$383
Total Functional Expenses$323,037$87,945$0$410,982
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
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
No
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, Part VI, Line 19

The organization's governing documents, conflict of interest policy, and financial statements are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Hypothekids Inc
EIN
46-3235153
In Care Of
% CHRISTINE KOVICH
Phone
2126336160
Address
423 WEST 127TH STREET, NEW YORK, NY 10027

Signing Officer

Name
Christine Kovich
Title
Executive Director
Phone
6462762978
Signed
2017-01-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christine Kovich
Voting Board Members
3
Independent Board Members
1
Employees
25
Volunteers
10

Preparer

Firm
Tarlow & Co CPA's
Address
7 Penn Plaza Suite 210, New York, NY 10001
Preparer
Adam Venokur CPA
Phone
2126978540
Supplemental Narrative

Additional Explanations

Form 990 Part IX Line 24 - Other Expenses

Description:marketing total expenses:1264 management and general:1264

Form 990 Part IX Line 24 - Other Expenses

Description:meals & entertainment total expenses:3418 program services:1368 management and general:2050

Form 990 Part IX Line 24 - Other Expenses

Description:miscellaneous total expenses:4408 management and general:4408

Form 990 Part IX Line 24 - Other Expenses

Description:payroll fees total expenses:1567 management and general:1567

Form 990 Part IX Line 24 - Other Expenses

Description:supplies total expenses:39412 program services:39412

Form 990 Part IX Line 24 - Other Expenses

Description:internship fees total expenses:8000 program services:8000

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IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt083734
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0248161
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt058060
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0141794
IRS990/SavingsAndTempCashInvstGrp/BOYAmt084499
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0141214
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/First5Years509Ind0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0473116
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0280943
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0155974
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0910033
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt021600
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt012500
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt01412
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt035512
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt00
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt0945545
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0494716
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0293443
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0157386
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/Total509Grp/TotalAmt0945545
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0494716
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0293443
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0157386
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0945545
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/EquipmentGrp/BookValueAmt01032
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02550
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03582
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01032
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION:MARKETING TOTAL EXPENSES:1264 MANAGEMENT AND GENERAL:1264
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DESCRIPTION:MEALS & ENTERTAINMENT TOTAL EXPENSES:3418 PROGRAM SERVICES:1368 MANAGEMENT AND GENERAL:2050
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DESCRIPTION:MISCELLANEOUS TOTAL EXPENSES:4408 MANAGEMENT AND GENERAL:4408
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DESCRIPTION:PAYROLL FEES TOTAL EXPENSES:1567 MANAGEMENT AND GENERAL:1567
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DESCRIPTION:SUPPLIES TOTAL EXPENSES:39412 PROGRAM SERVICES:39412
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DESCRIPTION:INTERNSHIP FEES TOTAL EXPENSES:8000 PROGRAM SERVICES:8000
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990 PART IX LINE 24 - OTHER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990 PART IX LINE 24 - OTHER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990 PART IX LINE 24 - OTHER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990 PART IX LINE 24 - OTHER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990 PART IX LINE 24 - OTHER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990 PART IX LINE 24 - OTHER EXPENSES
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0NY
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt086219
IRS990/TotalAssetsEOYAmt0145469
IRS990/TotalAssetsGrp/BOYAmt086219
IRS990/TotalAssetsGrp/EOYAmt0145469
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0246555
IRS990/TotalEmployeeCnt025
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt087945
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0323037
IRS990/TotalFunctionalExpensesGrp/TotalAmt0410982
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt028159
IRS990/TotalLiabilitiesEOYAmt03675
IRS990/TotalLiabilitiesGrp/BOYAmt028159
IRS990/TotalLiabilitiesGrp/EOYAmt03675
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt058060
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0141794
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0323037
IRS990/TotalProgramServiceRevenueAmt0248161
IRS990/TotalReportableCompFromOrgAmt092369
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0248161
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0494716
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt086219
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0145469
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt07600
IRS990/TravelGrp/TotalAmt07600
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0423 WEST 127TH STREET
IRS990/USAddress/CityNm0NEW YORK
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd010027
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt01
IRS990/WebsiteAddressTxt0hypothekids.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRISTINE KOVICH

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.66$0.17$8.49$4.16$5.48$1.31
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.65$1.81$6.84$2.14$1.74$0.39
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.50$0.28$6.22$9.18$7.20$1.99
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.38$0.15$4.23$6.94$5.95$0.99
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.79$0.55$3.24$3.89$3.70$0.19
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.47$0.42$3.05$5.26$4.51$0.75
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.55$0.25$2.30$5.29$5.41$0.11
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.67$0.09$2.58$6.80$5.64$1.16
2016Detailed filing. Detailed filing data is available for this year.$1.45$0.04$1.42$4.95$4.11$0.84
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.86$0.28$0.58$2.93$2.76$0.17
2014Detailed filing. Detailed filing data is available for this year.$0.55$0.15$0.40$1.57$1.17$0.40