Civic Intelligence

Institute for Growth and Development

990EZ • Fiscal year 2021 • EIN 47-2663645

Jan 01, 2021 to Dec 31, 2021 • Filed on May 11, 2022

Organization ProfileN/A
1837 S Michigan AveChicago, IL 60616

(312) 567-1330

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.01x

Higher debt load relative to assets than 62% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Liabilities / Revenue

63rd percentile

0.01x

Higher debt load relative to revenue than 63% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Net Margin

9th percentile

-69%

Higher net margin than 9% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Asset Growth

11th percentile

-39%

Faster asset growth than 11% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Annualized from 2020 to 2021

Revenue Growth

12th percentile

-65%

Faster revenue growth than 12% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Down

$70,910

Down $45,057 (-39%) from 2020

Net Assets

Down

$70,429

Down $42,430 (-38%) from 2020

Liabilities

Down

$481

Down $2,627 (-85%) from 2020

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin9th percentile

Revenue

Down

$61,268

Down $114,062 (-65%) from 2020

Expenses

Up

$103,698

Up $16,904 (+19%) from 2020

Net Income

Down

-$42,430

Down $130,966 (-148%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$150K$100K$50K$0Assets 2018: $18,184Net Assets 2018: $18,1842018Assets 2019: $32,415Liabilities 2019: $8,092Net Assets 2019: $24,3232019Assets 2020: $115,967Liabilities 2020: $3,108Net Assets 2020: $112,8592020Assets 2021: $70,910Liabilities 2021: $481Net Assets 2021: $70,4292021Assets 2022: $80,379Liabilities 2022: $45Net Assets 2022: $80,3342022Assets 2023: $56,456Liabilities 2023: $467Net Assets 2023: $55,9892023Assets 2024: $54,364Liabilities 2024: $234Net Assets 2024: $54,1302024

Highlighted filing

2021

Assets$70,910
Liabilities$481
Net Assets$70,429
Open 2021 Filing

Operations Trend

Revenue Growth12th percentile

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

$200K$100K$0-$100KRevenue 2018: $107,624Expenses 2018: $92,099Net Income 2018: $15,5252018Revenue 2019: $71,491Expenses 2019: $65,352Net Income 2019: $6,1392019Revenue 2020: $175,330Expenses 2020: $86,794Net Income 2020: $88,5362020Revenue 2021: $61,268Expenses 2021: $103,698Net Income 2021: -$42,4302021Revenue 2022: $122,159Expenses 2022: $112,254Net Income 2022: $9,9052022Revenue 2023: $103,496Expenses 2023: $123,178Net Income 2023: -$19,6822023Revenue 2024: $166,211Expenses 2024: $168,070Net Income 2024: -$1,8592024

Highlighted filing

2021

Revenue$61,268
Expenses$103,698
Net Income-$42,430
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 11, 2022
Return Version
2021v4.1
Gross Receipts
$61,268
Mission and Program Overview

Mission

Leadership development promoting the development and establishment, or expansion of the personal & professional growth and development of the individual

Program Services

DescriptionGrantsExpenses
Training - more than 200 individuals received training onleadership development and personal and professional growth.$0$103,698
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JEFF BARTOWBoard Member-$0--
HILDA RENTERIABoard Member-$0--
GEORGE SCHOPPBoard Member-$0--
PATRICIA FEARTreasurer-$0--
Filing and Contact Details

Filer

Filer Name
Institute for Growth & Development
EIN
47-2663645
Phone
3125671330
Address
1837 S MICHIGAN AVE, CHICAGO, IL 60616

Signing Officer

Name
Patrica Fear
Title
Treasurer
Phone
3125671330
Signed
2022-05-11
Discuss with paid preparer
Yes

Preparer

Firm
Prado & Renteria CPAs Prof Corp
Address
1837 S Michigan Ave 2nd Fl, Chicago, IL 60616
Preparer
Esther Camacho
Phone
3127881443
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“Professional Development 9287.”

Form 990EZ, Part I, Line 16

“Office expense 10641.”

Form 990EZ, Part I, Line 16

“Dues & Subscriptions 554.”

Form 990EZ, Part I, Line 16

“Travel expense 10000.”

Form 990EZ, Part I, Line 16

“Depreciation 5899.”

Form 990EZ, Part I, Line 16

“Telephone 935.”

Form 990EZ, Part I, Line 16

“Vehicle expense 202.”

Form 990EZ, Part II, Line 24

“construction of building 23800. 33800.”

Form 990EZ, Part II, Line 24

“Fraud activity 2267.”

Form 990EZ, Part II, Line 24

“loan 518. 1028.”

Form 990EZ, Part II, Line 26

“Payroll taxes 483. 481.”

Form 990EZ, Part II, Line 26

“Purchase vehicle loan 2625.”

Raw XML Appendix193 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/PersonNm0Alvaro Davila
IRS990EZ/BooksInCareOfDetail/PhoneNum03125671330
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01837 S Michigan Ave
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Chicago
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd0606161601
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt083239
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt012080
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt03573
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-42430
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt038875
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeCountryCd0GT
IRS990EZ/ForeignOfficeInd0true
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0115967
IRS990EZ/Form990TotalAssetsGrp/EOYAmt070910
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt061268
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LandAndBuildingsGrp/BOYAmt06143
IRS990EZ/LandAndBuildingsGrp/EOYAmt024002
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0112859
IRS990EZ/NetAssetsOrFundBalancesEOYAmt070429
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0112859
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt070429
IRS990EZ/OccupancyRentUtltsAndMaintAmt05775
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt02.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt12.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt32.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JEFF BARTOW
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1HILDA RENTERIA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2GEORGE SCHOPP
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3PATRICIA FEAR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TREASURER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt026585
IRS990EZ/OtherAssetsTotalDetail/EOYAmt034828
IRS990EZ/OtherExpensesTotalAmt037518
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0LEADERSHIP DEVELOPMENT PROMOTING THE DEVELOPMENT AND ESTABLISHMENT, OR EXPANSION OF THE PERSONAL & PROFESSIONAL GROWTH AND DEVELOPMENT OF THE INDIVIDUAL
IRS990EZ/ProgramServiceRevenueAmt057695
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Training - more than 200 individuals received training onleadership development and personal and professional growth.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0103698
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt021530
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt03108
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0481
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0103698
IRS990EZ/TotalProgramServiceExpensesAmt0103698
IRS990EZ/TotalRevenueAmt061268
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt061268
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0150330
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt071491
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0107624
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt025146
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0415859
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt0415859
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt061268
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0150330
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt071491
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0107624
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt025146
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0415859
IRS990ScheduleA/TotalSupportAmt0415859
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
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/ExplanationTxt0Professional Development 9287.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Office expense 10641.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Dues & Subscriptions 554.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Travel expense 10000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Depreciation 5899.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Telephone 935.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Vehicle expense 202.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7construction of building 23800. 33800.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Fraud activity 2267.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9loan 518. 1028.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Payroll taxes 483. 481.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Purchase vehicle loan 2625.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990EZ, Part II, Line 26
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Patrica Fear
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum03125671330
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-05-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0INSTITUTE FOR GROWTH & DEVELOPMENT
ReturnHeader/Filer/BusinessNameControlTxt0INST
ReturnHeader/Filer/EIN0472663645
ReturnHeader/Filer/PhoneNum03125671330
ReturnHeader/Filer/USAddress/AddressLine1Txt01837 S MICHIGAN AVE
ReturnHeader/Filer/USAddress/CityNm0CHICAGO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060616
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0363705616
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Prado & Renteria CPAs Prof Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01837 S Michigan Ave 2nd Fl
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Chicago
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060616
ReturnHeader/PreparerPersonGrp/PhoneNum03127881443
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Esther Camacho
ReturnHeader/ReturnTs02022-11-14T16:55:30-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Patrica
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Fear
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
$70,910
Liabilities
$481
Net assets
$70,429
Revenue
$61,268
Expenses
$103,698
Net income
-$42,430
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.54$0.00$0.54$1.66$1.68$0.02
2023Detailed filing. Detailed filing data is available for this year.$0.56$0.00$0.56$1.03$1.23$0.20
2022Detailed filing. Detailed filing data is available for this year.$0.80$0.00$0.80$1.22$1.12$0.10
2021Detailed filing. Detailed filing data is available for this year.$0.71$0.00$0.70$0.61$1.04$0.42
2020Detailed filing. Detailed filing data is available for this year.$1.16$0.03$1.13$1.75$0.87$0.89
2019Detailed filing. Detailed filing data is available for this year.$0.32$0.08$0.24$0.71$0.65$0.06
2018Detailed filing. Detailed filing data is available for this year.$0.18$0.18$1.08$0.92$0.16