Civic Intelligence

Topeka Habitat for Humanity

EIN 48-0980011 • 501(c)3 • Topeka, KS

Profile

To promote affordable housing for low-income individuals in the topeka, kansas area.

121 NE Gordon StreetTopeka, KS 66608

www.topekahabitat.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

43rd percentile

0.03x

Higher debt load relative to assets than 43% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

47th percentile

0.06x

Higher debt load relative to revenue than 47% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

33rd percentile

-2.7%

Higher net margin than 33% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

45th percentile

2.0%

Faster asset growth than 45% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Revenue Growth

13th percentile

-22%

Faster revenue growth than 13% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Assets

Down

$2,999,182

Down $30,023 (-1.0%) from 2023

Liabilities

Up

$103,517

Up $7,776 (+8.1%) from 2023

Net Assets

Down

$2,895,665

Down $37,799 (-1.3%) from 2023

Revenue

Down

$1,623,115

Down $325,803 (-17%) from 2023

Expenses

Down

$1,666,241

Down $120,132 (-6.7%) from 2023

Net Income

Down

-$43,126

Down $205,671 (-127%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $1,924,004Liabilities 2010: $38,580Net Assets 2010: $1,885,4242010Assets 2011: $2,041,195Liabilities 2011: $121,893Net Assets 2011: $1,919,3022011Assets 2012: $2,068,471Liabilities 2012: $188,590Net Assets 2012: $1,879,8812012Assets 2013: $2,045,260Liabilities 2013: $222,768Net Assets 2013: $1,822,4922013Assets 2014: $2,152,636Liabilities 2014: $228,769Net Assets 2014: $1,923,8672014Assets 2015: $2,023,150Liabilities 2015: $235,005Net Assets 2015: $1,788,1452015Assets 2016: $2,220,950Liabilities 2016: $565,269Net Assets 2016: $1,655,6812016Assets 2017: $1,747,014Liabilities 2017: $532,446Net Assets 2017: $1,214,5682017Assets 2018: $1,702,835Liabilities 2018: $489,797Net Assets 2018: $1,213,0382018Assets 2019: $1,679,624Liabilities 2019: $460,258Net Assets 2019: $1,219,3662019Assets 2020: $1,743,686Liabilities 2020: $387,037Net Assets 2020: $1,356,6492020Assets 2021: $1,904,143Liabilities 2021: $325,730Net Assets 2021: $1,578,4132021Assets 2022: $2,882,589Liabilities 2022: $124,359Net Assets 2022: $2,758,2302022Assets 2023: $3,029,205Liabilities 2023: $95,741Net Assets 2023: $2,933,4642023Assets 2024: $2,999,182Liabilities 2024: $103,517Net Assets 2024: $2,895,6652024

Highlighted filing

2024

Assets$2,999,182
Liabilities$103,517
Net Assets$2,895,665

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $147,3702010Expenses 2011: $425,1822011Expenses 2012: $520,8332012Revenue 2013: $498,621Expenses 2013: $556,010Net Income 2013: -$57,3892013Revenue 2014: $682,418Expenses 2014: $581,043Net Income 2014: $101,3752014Revenue 2015: $731,207Expenses 2015: $858,778Net Income 2015: -$127,5712015Revenue 2016: $903,230Expenses 2016: $1,035,694Net Income 2016: -$132,4642016Revenue 2017: $987,780Expenses 2017: $951,582Net Income 2017: $36,1982017Revenue 2018: $906,462Expenses 2018: $907,992Net Income 2018: -$1,5302018Revenue 2019: $1,109,081Expenses 2019: $1,102,753Net Income 2019: $6,3282019Revenue 2020: $1,027,255Expenses 2020: $976,485Net Income 2020: $50,7702020Revenue 2021: $1,207,984Expenses 2021: $997,086Net Income 2021: $210,8982021Revenue 2022: $2,678,698Expenses 2022: $1,498,881Net Income 2022: $1,179,8172022Revenue 2023: $1,948,918Expenses 2023: $1,786,373Net Income 2023: $162,5452023Revenue 2024: $1,623,115Expenses 2024: $1,666,241Net Income 2024: -$43,1262024

Highlighted filing

2024

Revenue$1,623,115
Expenses$1,666,241
Net Income-$43,126

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.00$0.10$2.90$1.62$1.67$0.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.03$0.10$2.93$1.95$1.79$0.16
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.88$0.12$2.76$2.68$1.50$1.18
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.90$0.33$1.58$1.21$1.00$0.21
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.74$0.39$1.36$1.03$0.98$0.05
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.68$0.46$1.22$1.11$1.10$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.70$0.49$1.21$0.91$0.91$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.75$0.53$1.21$0.99$0.95$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.22$0.57$1.66$0.90$1.04$0.13
2015Detailed filing. Detailed filing data is available for this year.$2.02$0.24$1.79$0.73$0.86$0.13
2014Detailed filing. Detailed filing data is available for this year.$2.15$0.23$1.92$0.68$0.58$0.10
2013Detailed filing. Detailed filing data is available for this year.$2.05$0.22$1.82$0.50$0.56$0.06
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.07$0.19$1.88$0.52
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.04$0.12$1.92$0.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.92$0.04$1.89$0.15
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 16, 2025
Return Version
2024v5.0
Gross Receipts
$1,623,115
Mission and Program Overview

Mission

Seeking to put god's love into action, habitat for humanity brings people together to build homes, communities and hope to realize our vision of a world where everyone has a decent place to live. Topeka habitat for humanity adheres to a strict non-proselytizing policy and will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$995,165$1,053,639▲ $58,474
Cash and Non-Interest-Bearing Accounts$1,134,116$922,307▼ $211,809
Land, Buildings, and Equipment, Net$687,692$741,980▲ $54,288
Inventories for Sale or Use$126,135$187,100▲ $60,965
Pledges and Grants Receivable$67,740$51,056▼ $16,684
Prepaid Expenses and Deferred Charges$18,357$25,075▲ $6,718
Intangible Assets-$18,025-
Total Assets$3,029,205$2,999,182▼ $30,023
Liabilities
Accounts Payable and Accrued Expenses$56,777$84,258▲ $27,481
Mortgage Notes Payable Secured by Investment Property$35,730--
Other Liabilities$3,234$19,259▲ $16,025
Total Liabilities$95,741$103,517▲ $7,776
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,613,819$2,518,645▼ $95,174
Net Assets With Donor Restrictions$319,645$377,020▲ $57,375
Total Net Assets Fund Balance$2,933,464$2,895,665▼ $37,799
Total Liabilities and Net Assets / Fund Balance$3,029,205$2,999,182▼ $30,023

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$559,913$135,590$695,503
Land$105,229-$105,229
Other Land Buildings$55,298$33,648$88,946
Equipment$21,540$27,095$48,635
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Janice WatkinsCEOFT$99,120$99,120

Board Members and Trustees

NameTitle
Betany RileyPresident
Anjelica PearsonDirector
Brian JacquesDirector
Viri RetanaDirector
Kaitlin AlegriaSecretary
Geoff GreeneTreasurer
Monice CrawfordVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$868,542
Program Service Revenue
$94,856
Investment Income
$50,362
Other Revenue
$609,355
All Other Contributions
$449,938
Change in Net Assets
$-43,126

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,623,115
Revenue Not Reported on Form 990
$5,325
Total Revenue per Audited Statements
$1,628,440
Total Revenue per Form 990
$1,623,115
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$972,916
Salaries, Compensation, and Employee Benefits$693,325
Total Fundraising Expense$119,678
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$382,658$124,613$22,749$530,020
Insurance$56,678$78,906$13,153$148,737
Current Officers, Directors, Trustees, and Key Employees$19,824$9,912$69,384$99,120
Office Expenses$43,809$25,149-$68,958
Payroll Taxes$33,504$8,719$7,317$49,540
Depreciation Depletion$34,933$1,726-$36,659
Occupancy$4,673$26,456-$31,129
Fees for Services Legal$30$18,072-$18,102
Pension Plan Contributions$9,905$2,577$2,163$14,645
Fees for Services Other$12,406$154-$12,560
Other Expenses$2,303$10,208-$12,511
Advertising-$105$4,912$5,017
Payments to Affiliates-$3,900-$3,900
Interest-$412-$412
Total Functional Expenses$1,226,349$320,214$119,678$1,666,241

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,666,241
Total Expenses per Audited Statements$1,666,241
Total Expenses per Form 990$1,666,241
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Right of Use Liability$18,025
Reserve Balance Payable$1,234
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
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
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, Page 6, Part VI, Line 11B

There is a discussion and approval by board and the finance committee.

Form 990, Page 6, Part VI, Line 19

The organization makes its governing documents available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Topeka Habitat for Humanity
EIN
48-0980011
Phone
7852352616
Address
121 NE GORDON STREET, TOPEKA, KS 66608

Signing Officer

Name
Geoff Greene
Title
Treasurer
Phone
7852344322
Signed
2025-07-16

Organization Details

Principal Officer
Kaitlin Alegria
Formed
1984
Legal Domicile
Ks
Voting Board Members
7
Independent Board Members
7
Employees
21
Volunteers
434

Preparer

Firm
Ssc Advisors Inc
Address
5825 SW 29TH ST STE 101, TOPEKA, KS 66614-2478
Preparer
Brenda Flanagan CPA
Phone
7852724484
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

Seeking to put god's love into action, habitat for humanity brings people together to build homes, communities and hope to realize our vision of a world where everyone has a decent place to live. Topeka habitat for humanity adheres to a strict non-proselytizing policy and will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.

Form 990, Page 2, Part III, Line 4A

Families in need of a decent place to live build safe and affordable homes in partnership with us. Habitat houses are modestly sized. They are large enough for the homeowner family's needs, but small enough to keep construction and maintenance costs affordable. By using the labor of volunteers and prospective homeowners, employing efficient building methods, keeping house sizes modest, using donated construction materials and appliances, and issuing no-profit loans, habitat makes its houses affordable for low-income families to purchase. Affordable homeownership helps create the conditions that free families from instability, stress and fear and encourage self-reliance and confidence. Studies show that strong and stable households are foundational to child development and growth. When a home fosters - instead of hinders - health and safety, families can flourish. Owning an affordable home also allows homeowners to lift up their entire family by saving for their futures and investing in educational opportunities, bolstering job opportunities and career growth. During fiscal year 2023, topeka habitat completed two homes in 2023 and another two homes are under construction.

Financial Statement Notes

Schedule D, Page 3, Part X

The organization is exempt from federal income tax under section 501(c)(3) of the internal revenue code. However, income from certain activities not directly related to the organization's tax-exempt purpose is subject to taxation as unrelated business income. In addition, the organization qualifies for the charitable contribution deduction under section 170(b) (1)(a) and has been classified as an organization that is not a private foundation under section 509(a)(2). The organization is required to recognize, measure, classify, and disclose in the financial statements uncertain tax positions taken or expected to be taken in the organization's tax returns. Management has determined that the organization does not have any uncertain tax positions and associated unrecognized benefits that materially impact the financial statements or related disclosure. Since tax matters are subject to some degree of uncertainty, there can be no assurance that the organization's tax returns will not be challenged by the taxing authorities and that the organization will not be subject to additional tax, penalties, and interest as a result of such challenge. Penalties and interest assess by income taxing authorities would be included in operating expenses. The federal income tax returns of the organization are subject to examination by the irs and state taxing authorities generally for three years after they were filed. There are no tax examinations currently in process.

Raw XML AppendixShowing 400 of 456 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.

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IRS990/ActivityOrMissionDesc0SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. TOPEKA HABITAT FOR HUMANITY ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.
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IRS990/MissionDesc0SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. TOPEKA HABITAT FOR HUMANITY ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.
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IRS990/PrincipalOfficerNm0KAITLIN ALEGRIA
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IRS990/ProgSrvcAccomActy2Grp/Desc0TO PURSUE MAKING AFFORDABLE HOMES AVAILABLE TO INDIVIDUALS IN NEED THROUGH THE SALES OF HOMES CONSTRUCTED BY THE ORGANIZATION AND VOLUNTEERS IN ADDITION TO SALES OF DONATED MATERIALS THROUGH OUR RESTORE LOCATION.
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0OTHER INCOME 1,670,107
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
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IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt05102167
IRS990ScheduleA/TotalSupportAmt07352877
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1RESERVE BALANCE PAYABLE
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAX UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. HOWEVER, INCOME FROM CERTAIN ACTIVITIES NOT DIRECTLY RELATED TO THE ORGANIZATION'S TAX-EXEMPT PURPOSE IS SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN ADDITION, THE ORGANIZATION QUALIFIES FOR THE CHARITABLE CONTRIBUTION DEDUCTION UNDER SECTION 170(B) (1)(A) AND HAS BEEN CLASSIFIED AS AN ORGANIZATION THAT IS NOT A PRIVATE FOUNDATION UNDER SECTION 509(A)(2). THE ORGANIZATION IS REQUIRED TO RECOGNIZE, MEASURE, CLASSIFY, AND DISCLOSE IN THE FINANCIAL STATEMENTS UNCERTAIN TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE ORGANIZATION'S TAX RETURNS. MANAGEMENT HAS DETERMINED THAT THE ORGANIZATION DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS AND ASSOCIATED UNRECOGNIZED BENEFITS THAT MATERIALLY IMPACT THE FINANCIAL STATEMENTS OR RELATED DISCLOSURE. SINCE TAX MATTERS ARE SUBJECT TO SOME DEGREE OF UNCERTAINTY, THERE CAN BE NO ASSURANCE THAT THE ORGANIZATION'S TAX RETURNS WILL NOT BE CHALLENGED BY THE TAXING AUTHORITIES AND THAT THE ORGANIZATION WILL NOT BE SUBJECT TO ADDITIONAL TAX, PENALTIES, AND INTEREST AS A RESULT OF SUCH CHALLENGE. PENALTIES AND INTEREST ASSESS BY INCOME TAXING AUTHORITIES WOULD BE INCLUDED IN OPERATING EXPENSES. THE FEDERAL INCOME TAX RETURNS OF THE ORGANIZATION ARE SUBJECT TO EXAMINATION BY THE IRS AND STATE TAXING AUTHORITIES GENERALLY FOR THREE YEARS AFTER THEY WERE FILED. THERE ARE NO TAX EXAMINATIONS CURRENTLY IN PROCESS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. TOPEKA HABITAT FOR HUMANITY ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZES MODEST, USING DONATED CONSTRUCTION MATERIALS AND APPLIANCES, AND ISSUING NO-PROFIT LOANS, HABITAT MAKES ITS HOUSES AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE THE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESTING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND CAREER GROWTH. DURING FISCAL YEAR 2023, TOPEKA HABITAT COMPLETED TWO HOMES IN 2023 AND ANOTHER TWO HOMES ARE UNDER CONSTRUCTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THERE IS A DISCUSSION AND APPROVAL BY BOARD AND THE FINANCE COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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