Civic Intelligence

New Brunswick Tomorrow

990 • Fiscal year 2020 • EIN 51-0137783

Jul 01, 2019 to Jun 30, 2020 • Filed on Dec 15, 2020

390 George Street 2nd FloorNew Brunswick, NJ 08901

(732) 246-0603

Siviq Scores

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

Liabilities / Assets

44th percentile

0.13x

Higher debt load relative to assets than 44% of similar nonprofits.

2020 filings • NTEE P • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

51st percentile

0.15x

Higher debt load relative to revenue than 51% of similar nonprofits.

2020 filings • NTEE P • $1M-$5M nonprofits • Source year 2020

Net Margin

24th percentile

-3.4%

Higher net margin than 24% of similar nonprofits.

2020 filings • NTEE P • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

87th percentile

$185,140

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 7.3% of source-year revenue.

2020 filings • NTEE P • $1M-$5M nonprofits • Source year 2020

Asset Growth

19th percentile

-2.5%

Faster asset growth than 19% of similar nonprofits.

2020 filings • NTEE P • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

82nd percentile

40%

Faster revenue growth than 82% of similar nonprofits.

2020 filings • NTEE P • $1M-$5M nonprofits • Annualized from 2019 to 2020

Assets

Down

$2,923,288

Down $73,815 (-2.5%) from 2019

Net Assets

Down

$2,544,189

Down $56,774 (-2.2%) from 2019

Liabilities

Down

$379,099

Down $17,041 (-4.3%) from 2019

Revenue

Up

$2,536,446

Up $718,832 (+40%) from 2019

Expenses

Up

$2,621,970

Up $258,836 (+11%) from 2019

Net Income

Up

-$85,524

Up $459,996 (+84%) from 2019

Historical Trend

Balance Sheet Trend

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

$6.0M$4.0M$2.0M$0Assets 2010: $2,438,768Liabilities 2010: $356,735Net Assets 2010: $2,082,0332010Assets 2011: $2,943,989Liabilities 2011: $394,377Net Assets 2011: $2,549,6122011Assets 2012: $2,738,906Liabilities 2012: $311,010Net Assets 2012: $2,427,8962012Assets 2013: $2,780,063Liabilities 2013: $233,338Net Assets 2013: $2,546,7252013Assets 2014: $3,306,167Liabilities 2014: $171,904Net Assets 2014: $3,134,2632014Assets 2015: $3,924,198Liabilities 2015: $241,998Net Assets 2015: $3,682,2002015Assets 2016: $3,728,022Liabilities 2016: $592,988Net Assets 2016: $3,135,0342016Assets 2017: $3,540,848Liabilities 2017: $447,027Net Assets 2017: $3,093,8212017Assets 2018: $3,530,673Liabilities 2018: $382,001Net Assets 2018: $3,148,6722018Assets 2019: $2,997,103Liabilities 2019: $396,140Net Assets 2019: $2,600,9632019Assets 2020: $2,923,288Liabilities 2020: $379,099Net Assets 2020: $2,544,1892020Assets 2021: $3,437,946Liabilities 2021: $383,198Net Assets 2021: $3,054,7482021Assets 2022: $3,146,662Liabilities 2022: $409,702Net Assets 2022: $2,736,9602022Assets 2023: $3,175,371Liabilities 2023: $534,696Net Assets 2023: $2,640,6752023Assets 2024: $5,269,332Liabilities 2024: $1,403,476Net Assets 2024: $3,865,8562024

Highlighted filing

2020

Assets$2,923,288
Liabilities$379,099
Net Assets$2,544,189

Operations Trend

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,030,2482010Revenue 2011: $2,374,497Expenses 2011: $1,921,965Net Income 2011: $452,5322011Expenses 2012: $2,149,8522012Revenue 2013: $2,111,664Expenses 2013: $2,065,984Net Income 2013: $45,6802013Revenue 2014: $2,440,984Expenses 2014: $1,923,149Net Income 2014: $517,8352014Revenue 2015: $2,772,316Expenses 2015: $2,154,669Net Income 2015: $617,6472015Revenue 2016: $1,955,279Expenses 2016: $2,439,139Net Income 2016: -$483,8602016Revenue 2017: $2,313,900Expenses 2017: $2,455,739Net Income 2017: -$141,8392017Revenue 2018: $2,494,032Expenses 2018: $2,482,796Net Income 2018: $11,2362018Revenue 2019: $1,817,614Expenses 2019: $2,363,134Net Income 2019: -$545,5202019Revenue 2020: $2,536,446Expenses 2020: $2,621,970Net Income 2020: -$85,5242020Revenue 2021: $2,437,946Expenses 2021: $2,416,359Net Income 2021: $21,5872021Revenue 2022: $2,929,934Expenses 2022: $2,664,423Net Income 2022: $265,5112022Revenue 2023: $2,010,262Expenses 2023: $2,222,881Net Income 2023: -$212,6192023Revenue 2024: $3,307,588Expenses 2024: $2,188,881Net Income 2024: $1,118,7072024

Highlighted filing

2020

Revenue$2,536,446
Expenses$2,621,970
Net Income-$85,524
Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
Dec 15, 2020
Return Version
2019v5.1
Gross Receipts
$2,602,526
Mission and Program Overview

Mission

New brunswick tomorrow is a non-profit organization whose ideas, partnerships and initiatives are moving new brunswick's people forward.

New brunswick tomorrow is a non-profit organization whose ideas, partnerships and initiatives are moving new brunswick's people forward (see schedule o for details).

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$2,394,795$2,260,188▼ $134,607
Savings and Temporary Cash Investments$411,826$459,423▲ $47,597
Pledges and Grants Receivable$140,698$121,140▼ $19,558
Land, Buildings, and Equipment, Net$38,572$74,149▲ $35,577
Prepaid Expenses and Deferred Charges$11,212$8,388▼ $2,824
Cash and Non-Interest-Bearing Accounts$0$0→ $0
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$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
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$2,997,103$2,923,288▼ $73,815
Other Assets Total$0$0→ $0
Liabilities
Accounts Payable and Accrued Expenses$388,355$215,426▼ $172,929
Grants Payable$0$162,468▲ $162,468
Deferred Revenue$6,580$0▼ $6,580
Other Liabilities$1,205$1,205→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$396,140$379,099▼ $17,041
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,386,487$2,233,810▼ $152,677
Net Assets With Donor Restrictions$214,476$310,379▲ $95,903
Total Net Assets Fund Balance$2,600,963$2,544,189▼ $56,774
Total Liabilities and Net Assets / Fund Balance$2,997,103$2,923,288▼ $73,815

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$61,569$249,918$311,487
Leasehold Improvements$12,580$31,119$43,699
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jaymie SantiagoPresidentFT$142,200$42,940$185,140
Kelly WattsDIRECTOR - developmentFT$111,825$3,725$115,550

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$2,480,318
Program Service Revenue
$0
Investment Income
$56,128
Other Revenue
$0
All Other Contributions
$1,679,135
Change in Net Assets
$-85,524

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,536,446
Revenue Not Reported on Form 990
$167,914
Total Revenue per Audited Statements
$2,704,360
Total Revenue per Form 990
$2,536,446
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$1,321,951
Salaries, Compensation, and Employee Benefits$837,064
Other Expenses$462,955
Total Fundraising Expense$14,559
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$1,321,951--$1,321,951
Other Salaries and Wages$474,405$7,057$7,057$488,519
Current Officers, Directors, Trustees, and Key Employees$138,091$2,054$2,055$142,200
Other Employee Benefits$127,150$3,544$3,543$134,237
Fees for Services Other$74,297--$74,297
Fees for Services Accounting$65,227$3,636-$68,863
Occupancy$61,311$3,418-$64,729
Office Expenses$54,528$3,041-$57,569
Payroll Taxes$46,392$1,293$1,293$48,978
Fees for Service Investment Mgmnt Fees$21,419$5,645-$27,064
Pension Plan Contributions$21,909$610$611$23,130
Depreciation Depletion$15,271$852-$16,123
Insurance$14,355$799-$15,154
Other Expenses$14,909--$14,909
Conferences and Meetings$9,263$517-$9,780
Information Technology$5,547--$5,547
Advertising$3,320$186-$3,506
Total Functional Expenses$2,574,759$32,652$14,559$2,621,970

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$2,761,134
Expenses per Audited Statements$2,621,970
Total Expenses per Form 990$2,621,970
Expenses Not Reported on Form 990$139,164
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Puerto Rican Action BoardNew Brunswick, NJ501(c)(3)School Based Youth Services Program & Esperanza Project$542,269
Youth Advocate Programs IncHarrisburg, PA501c(3)Sbysp$489,149
Community Loan Fund of Nj IncNew Bruinswick, NJ501c(3)Neighborhood Revitalization$87,750
City of New Brunswick Finance DepartmentNew Brunswick, NJN/aFamily Friendly Center & Ciclovia$45,283
CATHOLIC CHARITIES - diocese of metuchenPerth Amboy, NJ501c(3)Community Response Fund$45,000
Holy Family ParishNew Bruinswick, NJ501c(3)Community Response Fund$45,000
Salvation Army New BrunswickNew Brunswick, NJ501c(3)Community Response Fund$45,000
Rising Tide Capital IncJersey City, NJ501c(3)Neiborhood Revitalization$12,500
Urban Revival ProjectSomerset, NJ501c(3)Community Response Fund$10,000
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$7,164
Fundraising Gross Income$7,164
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Comedy Night$35,820$7,164$2,279$4,885
Total Events$35,820$7,164$7,164-
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Fiduciary Funds Payable$1,205
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 15 A and 15B

The governance committee of new brunswick tomorrow is responsible for facilitating the organization's compensation review process. Its members are comprised of trustees and are appointed by the chair. The board of trustees have adopted the practice of assessing compensation for every staff position to assure consistency and competitiveness with the market. The organization's compensation philosophy has been to manage base salary compensation toward the midpoint of the market to assure that the minimum salary compensation for each position meets the midpoint of the salary range. If the salary level does not meet the midpoint, the governance committee makes incremental and reasonable adjustments as long as the organization's financial position and the staff performance warrants. The governance committee also considers merit increases on an annual basis utilizing established performance benchmarks. In terms of executive compensation, the organization offers the president an employment contract that describes all the terms and benefits. The organization's chair is responsible for setting the performance benchmarks for the president and performing an annual review. The chair reports the results of the annual review to the governance committee and to the board of directors. Any salary and benefit adjustment or merit increase is considered at this time. In terms of staff compensation, the president is responsible for managing the governance committee's established process for reviewing and assessing staff performance. The president presents mid-year and final year staff performance evaluations to the governance committee. The review is based upon performance factors and employee performance objectives. The review also includes written feedback from the employer and supervisor and an employee development plan to support performance. The chair of the governance committee finalizes the review by signing all of the documents. Any salary and benefit adjustment or merit increase is considered at this time.

Form 990, Part VI, Section B, Line 11B

Presented to the finance committee and reported to the board of directors for its approval.

Form 990, Part VI, Section B, Line 12C

The organization monitors the conflict of interest policy annually by having board members sign a new policy.

Form 990, Part VI, Section C, Line 19

The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon written request to management.

Form 990, Part VI, Section A, Line 8A and 8B

An audio recording is made of each executive board meeting and committee meeting. From the recordings, the minutes are drafted and reviewed by the nbt president. The minutes are voted upon at the subsequent respective meetings. The approved minutes are filed accordingly.

Filing and Contact Details

Filer

Filer Name
New Brunswick Tomorrow
EIN
51-0137783
In Care Of
% JAYMIE SANTIAGO
Phone
7322460603
Address
390 George Street 2nd Floor, New Brunswick, NJ 08901

Signing Officer

Name
Jaymie Santiago
Title
President/CEO
Phone
7322460603
Signed
2020-12-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jaymie Santiago
Formed
1975
Legal Domicile
Nj
Voting Board Members
15
Independent Board Members
15
Employees
20
Volunteers
15

Preparer

Firm
WithumSmithBrown PC
Address
ONE TOWER CENTER BLVD 14TH FL, EAST BRUNSWICK, NJ 08816
Preparer
Michael Pintabone
Phone
7328281614
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 1

For more than 40 years, new brunswick tomorrow has driven social revitalization for the city of new brunswick by taking on the issues that matter most to city residents and families. Our mission is to improve the quality of life for all who call new brunswick home. We are a social impact organization, committed to moving people forward by addressing the human issues that impact us all, including: the vibrancy of neighborhood; a family's health and well-being, and a child's academic progress and ability to meet their fullest potential. Nbt's holistic approach includes engaging stakeholders to identify issues related to the community's health, education and human service needs. With over 1,000 documented potential stakeholder partners, representing over 200 local social programs, and many funding partners, the need to convene partners and find solutions is great. Nbt brings together a diversity of partners committed to take action on community development needs. This process has been used successfully for 45 years, building a community that continues to move new brunswick's people forward. For more information on how nbt identifies community needs, engages the community, grows partnerships, and program details on key issues, visit our website at www.nbtomorrow.org

Form 990, Part III, Line 1

Through a shared value of community and partnership, we bring diverse interest to the table to inspire people and mobilize resources to strengthen our community. Working side-by-side with committed partners, we focus on setting goals, turning goals into plans, and plans into action, ultimately helping residents improve their quality of life. To do this work, we foster partnerships with institutions and community organizations that promote upward economic mobility, self-sufficiency and personal dignity for all. Nbt serves as a catalyst in developing and supporting solutions that strengthen our community by: 1) identifing social needs, driven by both data and the community's insights; 2) bringing people and resources together, inspiring action and accountability; 3) collaboratively devising solutions, leading social change citywide; and, 4) building capacity to maintain meaningful community impact. To realize this, nbt utilizes task forces as vehicles for convening partners committed to resolving the issues that affect families and individuals the most. Partners include: residents, educators, religious leaders, hospital representatives, elected and appointed officials, corporate leaders and academia, that serve on our task forces, including: 1) health task force - to improve health outcomes for all by promoting healthy, active lifestyles, preventing diseases, and increasing access to health services. 2) neighborhood task force (formerly, family task force) - to improve neighborhoods by fostering safe and desirable conditions, community support services, rich cultural offerings, economic opportunities, and the ability to connect with one another. 3) 0-21 task force (formerly, youth task force) - to improve youth outcomes by focusing on youth, ages 0-21, to be supported in safe and healthy environment to achieve high levels of education, employment and self-sufficiency as adults.

Form 990, Part III, Line 4A

New brunswick tomorrow convenes all youth stakeholders in the city of new brunswick, new jersey, to identify issues that affect our city's youth and develop solutions. The 0 to 21 task force includes the school based youth services program (sbysp), also known as the new brunswick bridge - a comprehensive social service program located in four new brunswick schools in the district. In the 2019-2020 academic year, 993 students were impacted by the program, including 183 students at the family friendly center and 13 infants in the parent-infant childcare center. These programs provide comprehensive supportive services to over 1,000 at-risk youth. The mission of sbysp is to improve the life prospects of new brunswick public school students, with the goal to assure academic success by building on the students' strengths and supporting them in obstacles. An additional service provided by the program available only at the high school, is the parent linking program (plp).the goal of plp is to have the student-parent graduate high school, and delay a second pregnancy until after graduation. In 2019-2020, 26 students were enrolled in the program.

Form 990, Part III, Line 4B

New brunswick tomorrow convenes all youth stakeholders in the city of new brunswick, new jersey, to identify issues that affect our city's youth and develop solutions. The 0 to 21 task force includes the school based youth services program (sbysp), also known as the new brunswick bridge - a comprehensive social service program located in four new brunswick schools in the district. In the 2019-2020 academic year, 993 students were impacted by the program, including 183 students at the family friendly center and 13 infants in the parent-infant childcare center. These programs provide comprehensive supportive services to over 1,000 at-risk youth. The mission of sbysp is to improve the life prospects of new brunswick public school students, with the goal to assure academic success by building on the students' strengths and supporting them in overcoming obstacles. An additional service provided by the program, available only at the high school, is the parent linking program (plp). The goal of plp is to have the student-parent graduate high school, and delay a second pregnancy until after graduation. In 2019-2020, 26 students were enrolled in the program. Brunswick - a citywide campaign to create awareness on health priorities, resources and services to inspire residents to live healthier, active lifestyles; ultimately resulting in improved quality of life and other positive health outcomes.

Form 990, Part III, Line 4C

Through the neighborhood task force activities, nbt fosters connections with and among neighborhood residents and local business people, building a social infrastructure to identify concerns and effectively advance solutions that maximize neighborhood potential. A primary program area is the esperanza neighborhood project - a comprehensive neighborhood improvement and revitalization initiative focused on a 57-block area of new brunswick, and the centerpiece of nbt's neighborhood development strategy. Esperanza works with community residents, business people, stakeholders, and collaborating organizations prab, new jersey community capital, and rising tide capital to identify concerns and advance solutions to maximize neighborhood potential, particularly in the areas of neighborhood conditions, economic opportunity, housing, and family services. Through this task force, nbt develops and implements multi-pronged strategies for families seeking to achieve upward economic mobility, and an improved living environment. Nbt's work in neighborhoods is not a single program, but a broad strategy, a way to engage and support our community in long-term, resident-driven neighborhood revitalization.

Form 990, Part III, Line 4D

Other task forces are: 1) in 2020, nbt established a community response task force to provide needed relief for families adversely affected, and severly impacted, by the coronavirus pandemic. The focus of the task force is to improve the well-being of all community members by providing direct relief to families while also addressing some of the underlying inequities that immediately surfaced when covid-19 struck. Recovery efforts included: 1) providing food and meals to families experiencing hunger and food insecurity; 2) promoting housing stability in low-to-moderate income neighborhoods by providing monetary assistance to families struggling to pay their rent; 3) providing local investment and assistance for struggling local businesses; and, providing mental health support and resources to address issues related to covid-19 for fostering community well-being. As the immediate threat from covid-19 subsides, the task force will shift its focus from emergency response to recovery. While the timeline for recovery is not linear, nbt has developed a framework to help lead our community in this effort, with a focus on building more resilient systems that can withstand future crisis.

Financial Statement Notes

form 990, schedule D, part X, Line 2

The Organization is exempt from federal income taxes under the Internal Revenue Code, Section 501(c)(3). Therefore, no provision has been made for income taxes on the change in net assets. The Organization is also exempt from state income taxes. The Organization had no unrecognized tax benefits as of June 30, 2020 and incurred no tax related interest or penalties for the years ended June 30, 2020 and 2019.

form 990, schedule D, parts XI and XII, line 2D

Fundraising expenses of $7,164 netted on Part VIII.

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IRS990/ProgSrvcAccomActy2Grp/Desc0The Health Task Force convenes a wide diversity of stakeholders who are committed to improving the health and well-being of New Brunswick residents (SEE SCHEDULE O FOR DETAILS).
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IRS990/ProgSrvcAccomActy3Grp/Desc0The Neighborhood/Family Task Force consists of representatives from all of the community development efforts (SEE SCHEDULE O FOR DETAILS).
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0JOHN J. HELDRICH INSTITUTE FOR LEADERSHIP DEVELOP
IRS990/ProgSrvcAccomActyOtherGrp/Desc1COMMUNITY RESPONSE TASK FORCE
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Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.27$1.40$3.87$3.31$2.19$1.12
2023Detailed filing. Detailed filing data is available for this year.$3.18$0.53$2.64$2.01$2.22$0.21
2022Detailed filing. Detailed filing data is available for this year.$3.15$0.41$2.74$2.93$2.66$0.27
2021Detailed filing. Detailed filing data is available for this year.$3.44$0.38$3.05$2.44$2.42$0.02
2020Detailed filing. Detailed filing data is available for this year.$2.92$0.38$2.54$2.54$2.62$0.09
2019Detailed filing. Detailed filing data is available for this year.$3.00$0.40$2.60$1.82$2.36$0.55
2018Detailed filing. Detailed filing data is available for this year.$3.53$0.38$3.15$2.49$2.48$0.01
2017Detailed filing. Detailed filing data is available for this year.$3.54$0.45$3.09$2.31$2.46$0.14
2016Detailed filing. Detailed filing data is available for this year.$3.73$0.59$3.14$1.96$2.44$0.48
2015Detailed filing. Detailed filing data is available for this year.$3.92$0.24$3.68$2.77$2.15$0.62
2014Detailed filing. Detailed filing data is available for this year.$3.31$0.17$3.13$2.44$1.92$0.52
2013Summary only. Only limited summary data is available for this year.$2.78$0.23$2.55$2.11$2.07$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.74$0.31$2.43$2.15
2011Summary only. Only limited summary data is available for this year.$2.94$0.39$2.55$2.37$1.92$0.45
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.44$0.36$2.08$2.03