Civic Intelligence

Christians for Mission Inc.

990EZ • Fiscal year 2021 • EIN 46-4568521

Jan 01, 2021 to Dec 31, 2021 • Filed on Apr 21, 2022

Organization ProfileN/A
510 West 110th Street 7CNew York, NY 10025

(646) 696-9119

Siviq Scores

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

Liabilities / Assets

65th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2021 filings • NTEE X99 • <$500k nonprofits • Source year 2021

Liabilities / Revenue

66th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2021 filings • NTEE X99 • <$500k nonprofits • Source year 2021

Net Margin

71st percentile

27%

Higher net margin than 71% of similar nonprofits.

2021 filings • NTEE X99 • <$500k nonprofits • Source year 2021

Top Officer Pay

83rd percentile

$26,244

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 45.5% of source-year revenue.

2021 filings • NTEE X99 • <$500k nonprofits • Source year 2021

Asset Growth

55th percentile

15%

Faster asset growth than 55% of similar nonprofits.

2021 filings • NTEE X99 • <$500k nonprofits • Annualized from 2020 to 2021

Revenue Growth

45th percentile

4.8%

Faster revenue growth than 45% of similar nonprofits.

2021 filings • NTEE X99 • <$500k nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$118,336

Up $15,421 (+15%) from 2020

Net Assets

Up

$118,336

Up $15,421 (+15%) from 2020

Liabilities

Flat

$0

Flat from 2020

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin71st percentile

Revenue

Up

$57,652

Up $2,629 (+4.8%) from 2020

Expenses

Down

$42,231

Down $27,466 (-39%) from 2020

Net Income

Up

$15,421

Up $30,095 (+205%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth55th percentile

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

$150K$100K$50K$0Assets 2014: $57,553Liabilities 2014: $9,550Net Assets 2014: $48,0032014Assets 2015: $69,912Liabilities 2015: $2,000Net Assets 2015: $67,9122015Assets 2016: $40,792Liabilities 2016: $2,000Net Assets 2016: $38,7922016Assets 2017: $41,691Liabilities 2017: $166Net Assets 2017: $41,5252017Assets 2018: $102,545Liabilities 2018: $0Net Assets 2018: $102,5452018Assets 2019: $117,589Liabilities 2019: $0Net Assets 2019: $117,5892019Assets 2020: $102,915Liabilities 2020: $0Net Assets 2020: $102,9152020Assets 2021: $118,336Liabilities 2021: $0Net Assets 2021: $118,3362021Assets 2022: $98,472Liabilities 2022: $0Net Assets 2022: $98,4722022Assets 2023: $88,292Liabilities 2023: $2,2752023Assets 2024: $101,532Liabilities 2024: $0Net Assets 2024: $101,5322024

Highlighted filing

2021

Assets$118,336
Liabilities$0
Net Assets$118,336
Open 2021 Filing

Operations Trend

Revenue Growth45th percentile

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

$400K$300K$200K$100K$0-$100KRevenue 2014: $138,788Expenses 2014: $90,785Net Income 2014: $48,0032014Revenue 2015: $192,573Expenses 2015: $172,664Net Income 2015: $19,9092015Revenue 2016: $185,244Expenses 2016: $214,364Net Income 2016: -$29,1202016Revenue 2017: $243,652Expenses 2017: $240,919Net Income 2017: $2,7332017Revenue 2018: $321,393Expenses 2018: $260,373Net Income 2018: $61,0202018Revenue 2019: $247,397Expenses 2019: $232,353Net Income 2019: $15,0442019Revenue 2020: $55,023Expenses 2020: $69,697Net Income 2020: -$14,6742020Revenue 2021: $57,652Expenses 2021: $42,231Net Income 2021: $15,4212021Revenue 2022: $60,907Expenses 2022: $80,771Net Income 2022: -$19,8642022Revenue 2023: $97,689Expenses 2023: $110,144Net Income 2023: -$12,4552023Revenue 2024: $127,594Expenses 2024: $112,079Net Income 2024: $15,5152024

Highlighted filing

2021

Revenue$57,652
Expenses$42,231
Net Income$15,421
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Apr 21, 2022
Return Version
2021v4.2
Gross Receipts
$57,652
Mission and Program Overview

Mission

To proclaim the gospel of jesus christ in the world, making disciples of all the nations and baptizing them in the name of the father and the son and of the holy spirit by joining people from all nations who believe in jesus christ, follow him and want to serve him in the holy spirit.

Program Services

DescriptionGrantsExpenses
PERFORMING COMMUNITY OUTREACH AND MISSION SERVICES FOR THOSE IN NEED AND SUPPORTING SUCH MISSIONARY TASKS IN THE US AND ABROAD AND TO PROCLAIM THE GOSPEL AMONG ALL NATIONS AND FOUND NEW CHURCHES WORLDWIDE.$0$35,038
HOLDING EVENTS SUCH AS CONFERENCES, SEMINARS AND RETREATS AT WHICH CHRISTIANS AND NON-CHRISTIANS WITH DIFFERENT NATIONALITIES COME TOGETHER FOR PRAYER, SINGING SONGS OF WORSHIP, BIBLE STUDY AND RELIGIOUS CONVERSATION. ESTABLISHING BIBLE STUDY GROUPS FOR WEEKLY MEETINGS.$0$0
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
PETER GEGGIERExecutive DirectorPT$26,244-$26,244
YOUNG SU KIMPresidentPT$0--
DANNY ZSCHOMLERDirectorPT$0--
HOVANNESS KHATCHADOURIANSecretaryPT$0--
NAOMASA TOMIOKATreasurerPT$0--
Filing and Contact Details

Filer

Filer Name
Christians for Mission Inc
EIN
46-4568521
Phone
6466969119
Address
510 WEST 110TH STREET 7C, NEW YORK, NY 10025

Signing Officer

Name
Peter Geggier
Title
Executive Director
Phone
6466969119
Signed
2022-04-21
Discuss with paid preparer
Yes

Preparer

Firm
Skody Scot & Co Cpas Pc
Address
520 EIGHTH AVE SUITE 2200, NEW YORK, NY 10018
Preparer
Laurence Scot Mba CPA
Phone
2129671100
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16 - Other Expenses

“Description: missionary - travel, hotels & related expenses. Amount: 9,588. Description: office supplies & expense & miscellaneous expenses. Amount: 33. Description: bank charges and payroll processing fees. Amount: 2,295. Description: insurance. Amount: 615. Description: payroll taxes. Amount: 2,256. Total to form 990-ez, line 16: 14,787.”

Raw XML Appendix154 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/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0THE ORGANIZATION
IRS990EZ/BooksInCareOfDetail/PhoneNum06466969119
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0510 WEST 110TH STREET 7C
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0NEW YORK
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd010025
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0102915
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0118336
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt057652
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt015421
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01200
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0102915
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0118336
IRS990EZ/GrossReceiptsAmt057652
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0102915
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0118336
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0102915
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0118336
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt020.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt15.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt25.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt35.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt45.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt026244
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0PETER GEGGIER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1YOUNG SU KIM
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2DANNY ZSCHOMLER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3HOVANNESS KHATCHADOURIAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4NAOMASA TOMIOKA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0EXECUTIVE DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4TREASURER
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt014787
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TO PROCLAIM THE GOSPEL OF JESUS CHRIST IN THE WORLD, MAKING DISCIPLES OF ALL THE NATIONS AND BAPTIZING THEM IN THE NAME OF THE FATHER AND THE SON AND OF THE HOLY SPIRIT BY JOINING PEOPLE FROM ALL NATIONS WHO BELIEVE IN JESUS CHRIST, FOLLOW HIM AND WANT TO SERVE HIM IN THE HOLY SPIRIT.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0HOLDING EVENTS SUCH AS CONFERENCES, SEMINARS AND RETREATS AT WHICH CHRISTIANS AND NON-CHRISTIANS WITH DIFFERENT NATIONALITIES COME TOGETHER FOR PRAYER, SINGING SONGS OF WORSHIP, BIBLE STUDY AND RELIGIOUS CONVERSATION. ESTABLISHING BIBLE STUDY GROUPS FOR WEEKLY MEETINGS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1PERFORMING COMMUNITY OUTREACH AND MISSION SERVICES FOR THOSE IN NEED AND SUPPORTING SUCH MISSIONARY TASKS IN THE US AND ABROAD AND TO PROCLAIM THE GOSPEL AMONG ALL NATIONS AND FOUND NEW CHURCHES WORLDWIDE.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt10
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt135038
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt026244
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NY
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt042231
IRS990EZ/TotalProgramServiceExpensesAmt035038
IRS990EZ/TotalRevenueAmt057652
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt057647
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt055023
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt070021
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0147788
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt090069
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0420548
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0505063
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt0420548
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt057647
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt055023
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt070021
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0147788
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt090069
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0420548
IRS990ScheduleA/TotalSupportAmt0420548
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: MISSIONARY - TRAVEL, HOTELS & RELATED EXPENSES. AMOUNT: 9,588. DESCRIPTION: OFFICE SUPPLIES & EXPENSE & MISCELLANEOUS EXPENSES. AMOUNT: 33. DESCRIPTION: BANK CHARGES AND PAYROLL PROCESSING FEES. AMOUNT: 2,295. DESCRIPTION: INSURANCE. AMOUNT: 615. DESCRIPTION: PAYROLL TAXES. AMOUNT: 2,256. TOTAL TO FORM 990-EZ, LINE 16: 14,787.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PETER GEGGIER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum06466969119
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-04-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHRISTIANS FOR MISSION INC
ReturnHeader/Filer/BusinessNameControlTxt0CHRI
ReturnHeader/Filer/EIN0464568521
ReturnHeader/Filer/PhoneNum06466969119
ReturnHeader/Filer/USAddress/AddressLine1Txt0510 WEST 110TH STREET 7C
ReturnHeader/Filer/USAddress/CityNm0NEW YORK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd010025
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0133597814
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SKODY SCOT & CO CPAS PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0520 EIGHTH AVE SUITE 2200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NEW YORK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd010018
ReturnHeader/PreparerPersonGrp/PhoneNum02129671100
ReturnHeader/PreparerPersonGrp/PreparationDt02022-04-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LAURENCE SCOT MBA CPA
ReturnHeader/ReturnTs02022-04-21T10:40:48-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0PETER
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0GEGGIER
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$118,336
Liabilities
$0
Net assets
$118,336
Revenue
$57,652
Expenses
$42,231
Net income
$15,421
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.02$0.00$1.02$1.28$1.12$0.16
2023Summary only. Only limited summary data is available for this year.$0.88$0.02$0.98$1.10$0.12
2022Detailed filing. Detailed filing data is available for this year.$0.98$0.00$0.98$0.61$0.81$0.20
2021Detailed filing. Detailed filing data is available for this year.$1.18$0.00$1.18$0.58$0.42$0.15
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.03$0.00$1.03$0.55$0.70$0.15
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.18$0.00$1.18$2.47$2.32$0.15
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.03$0.00$1.03$3.21$2.60$0.61
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.42$0.00$0.42$2.44$2.41$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.41$0.02$0.39$1.85$2.14$0.29
2015Detailed filing. Detailed filing data is available for this year.$0.70$0.02$0.68$1.93$1.73$0.20
2014Summary only. Only limited summary data is available for this year.$0.58$0.10$0.48$1.39$0.91$0.48