Civic Intelligence

Shelburne Charlotte Hinesburg Interfaith Projects Inc

990 • Fiscal year 2024 • EIN 51-0482552

Jul 01, 2023 to Jun 30, 2024 • Filed on Aug 10, 2024

5404 Shelburne RoadShelburne, VT 05482

(802) 985-3595

Siviq Scores

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

Liabilities / Assets

45th percentile

0.01x

Higher debt load relative to assets than 45% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

42nd percentile

0.01x

Higher debt load relative to revenue than 42% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

61st percentile

11%

Higher net margin than 61% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

55th percentile

$0

Higher top officer pay than 55% of similar nonprofits.

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

2024 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2024

Asset Growth

80th percentile

27%

Faster asset growth than 80% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

53rd percentile

9.9%

Faster revenue growth than 53% of similar nonprofits.

2024 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Assets

Flat

$472,126

Flat from 2024

Net Assets

Flat

$468,637

Flat from 2024

Liabilities

Flat

$3,489

Flat from 2024

Revenue

Flat

$585,282

Flat from 2024

Expenses

Flat

$520,941

Flat from 2024

Net Income

Flat

$64,341

Flat from 2024

Historical Trend

Balance Sheet Trend

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

$600K$400K$200K$0Assets 2011: $181,282Liabilities 2011: $1,850Net Assets 2011: $179,4322011Assets 2012: $183,190Liabilities 2012: $5,472Net Assets 2012: $177,7182012Assets 2013: $228,316Liabilities 2013: $2,380Net Assets 2013: $225,9362013Assets 2014: $211,694Liabilities 2014: $3,670Net Assets 2014: $208,0242014Assets 2015: $190,169Liabilities 2015: $577Net Assets 2015: $189,5922015Assets 2016: $191,161Liabilities 2016: $4,408Net Assets 2016: $186,7532016Assets 2017: $207,136Liabilities 2017: $3,573Net Assets 2017: $203,5642017Assets 2018: $212,826Liabilities 2018: $2,194Net Assets 2018: $210,6312018Assets 2019: $215,676Liabilities 2019: $1,080Net Assets 2019: $214,5962019Assets 2020: $200,231Liabilities 2020: $15,328Net Assets 2020: $184,9032020Assets 2021: $239,418Liabilities 2021: $1,778Net Assets 2021: $237,6402021Assets 2022: $270,618Liabilities 2022: $2,583Net Assets 2022: $268,0352022Assets 2023: $372,024Liabilities 2023: $4,422Net Assets 2023: $367,6022023Assets 2024: $472,126Liabilities 2024: $3,489Net Assets 2024: $468,6372024Assets 2024: $472,126Liabilities 2024: $3,489Net Assets 2024: $468,6372024Assets 2025: $541,581Liabilities 2025: $3,153Net Assets 2025: $538,4282025

Highlighted filing

2024

Assets$472,126
Liabilities$3,489
Net Assets$468,637

Operations Trend

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

$800K$600K$400K$200K$0-$200KRevenue 2011: $349,457Expenses 2011: $348,258Net Income 2011: $1,1992011Expenses 2012: $352,2692012Revenue 2013: $389,341Expenses 2013: $341,123Net Income 2013: $48,2182013Revenue 2014: $324,225Expenses 2014: $342,409Net Income 2014: -$18,1842014Revenue 2015: $337,280Expenses 2015: $356,668Net Income 2015: -$19,3882015Revenue 2016: $308,270Expenses 2016: $311,127Net Income 2016: -$2,8572016Revenue 2017: $287,347Expenses 2017: $287,467Net Income 2017: -$1202017Revenue 2018: $297,530Expenses 2018: $298,361Net Income 2018: -$8312018Revenue 2019: $312,192Expenses 2019: $315,924Net Income 2019: -$3,7322019Revenue 2020: $260,877Expenses 2020: $295,913Net Income 2020: -$35,0362020Revenue 2021: $309,808Expenses 2021: $287,693Net Income 2021: $22,1152021Revenue 2022: $424,765Expenses 2022: $376,688Net Income 2022: $48,0772022Revenue 2023: $532,482Expenses 2023: $452,847Net Income 2023: $79,6352023Revenue 2024: $585,282Expenses 2024: $520,941Net Income 2024: $64,3412024Revenue 2024: $585,282Expenses 2024: $520,941Net Income 2024: $64,3412024Revenue 2025: $702,048Expenses 2025: $653,484Net Income 2025: $48,5642025

Highlighted filing

2024

Revenue$585,282
Expenses$520,941
Net Income$64,341
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
Aug 10, 2024
Return Version
2023v5.0
Gross Receipts
$585,282
Mission and Program Overview

Mission

Local faith communities working together to raise funds for grants to improve the lives of our neighbors and the strength of our communities, grants awarded during the year to local churches and organizations to serve the needs of the people.

Providing grants to improve lives.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$367,602$468,637▲ $101,035
Investments Other Securities$247,614$382,160▲ $134,546
Cash and Non-Interest-Bearing Accounts$68,351$87,958▲ $19,607
Prepaid Expenses and Deferred Charges$1,145$1,200▲ $55
Land, Buildings, and Equipment, Net$1,513$695▼ $818
Savings and Temporary Cash Investments$53,401$113▼ $53,288
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$372,024$472,126▲ $100,102
Liabilities
Accounts Payable and Accrued Expenses$3,829$2,728▼ $1,101
Deferred Revenue$593$761▲ $168
Total Liabilities$4,422$3,489▼ $933
Net Assets / Fund Balance
Total Net Assets Fund Balance$367,602$468,637▲ $101,035
Total Liabilities and Net Assets / Fund Balance$372,024$472,126▲ $100,102

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$695$13,015$0
Leasehold Improvements$0$0$0
Other Securities$54,669--
Compensation and Service Providers

Board Members and Trustees

NameTitle
Douglas TaffChairman
Ali GatelyBoard Member
Carolyn DonahueBoard Member
Colleen ArmstrongBoard Member
Jennifer MartinezBoard Member
Jessica MellerBoard Member
Lisa PhillipsBoard Member
Martha StoneBoard Member
Michelle ParentBoard Member
Mirka SussmanBoard Member
Sandy AndersonBoard Member
Thea PlattBoard Member
Trina BianchiBoard Member
Kristi JohnsonSecretary
Colleen HaagTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$293,102
Program Service Revenue
$292,167
Investment Income
$13
Other Revenue
$0
All Other Contributions
$293,102
Change in Net Assets
$64,341

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
Yes
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeReported AmountValuation Method
Clothing and Household Goods$292,853Estimated
Total Noncash Contributions$292,853-
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$364,818
Salaries, Compensation, and Employee Benefits$79,865
Grants and Similar Amounts Paid$76,258
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$76,258--$76,258
Other Salaries and Wages$73,806--$73,806
Occupancy$26,601--$26,601
Office Expenses$16,683--$16,683
Payroll Taxes$6,059--$6,059
Advertising$4,709--$4,709
Insurance$4,170--$4,170
Other Expenses$2,517$0$0$2,517
Fees for Services Accounting$1,000--$1,000
Depreciation Depletion$818--$818
Fees for Services Legal$274--$274
Travel$193--$193
Total Functional Expenses$520,941$0$0$520,941
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Other officer compensation reviewed
No
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 11B

The Form 990 was approved by the board before filing

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

Conflict of interest is checked on an annual basis or as it arises

Form 990, Part VI, Section C, Line 19

All governing documents, conflicts of interest policies and financial statements are available upon demand by the public at the headquarters of the organization

Filing and Contact Details

Filer

Filer Name
Schip
EIN
51-0482552
Phone
8029853595
Address
5404 SHELBURNE ROAD, SHELBURNE, VT 05482
Doing Business As
SCHIP'S

Signing Officer

Name
Colleen Haag
Title
Treasurer
Phone
8023241820
Signed
2024-08-10

Organization Details

Principal Officer
Colleen Haag
Formed
2003
Legal Domicile
Vt
Voting Board Members
15
Independent Board Members
15
Employees
15
Volunteers
18
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

Cost of goods sold, storage space, and other expenses

Raw XML AppendixShowing 400 of 492 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/Desc0NINE LOCAL FAITH COMMUNITIES WORKING TOGETHER TO RAISE FUNDS FOR GRANTS TO IMPROVE THE LIVES OF OUR NEIGHBORS AND THE STRENGTH OF OUR COMMUNITIES. THEY ORGANIZED AND OPERATE A USED CLOTHING FACILITY. THEY RECIEVE DONATIONS OF ITEMS AND RESELL THE ITEMS.
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0LOCAL FAITH COMMUNITIES WORKING TOGETHER TO RAISE FUNDS FOR GRANTS TO IMPROVE THE LIVES OF OUR NEIGHBORS AND THE STRENGTH OF OUR COMMUNITIES, GRANTS AWARDED DURING THE YEAR TO LOCAL CHURCHES AND ORGANIZATIONS TO SERVE THE NEEDS OF THE PEOPLE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NameChangeInd0X
IRS990/NetAssetsOrFundBalancesBOYAmt0367602
IRS990/NetAssetsOrFundBalancesEOYAmt0468637
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt036245
IRS990/NoncashContributionsAmt0292853
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt026601
IRS990/OccupancyGrp/TotalAmt026601
IRS990/OfficeExpensesGrp/ProgramServicesAmt016683
IRS990/OfficeExpensesGrp/TotalAmt016683
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Cost of goods sold
IRS990/OtherExpensesGrp/Desc1Storage space
IRS990/OtherExpensesGrp/Desc2Other expenses - program services
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt0292853
IRS990/OtherExpensesGrp/ProgramServicesAmt115000
IRS990/OtherExpensesGrp/ProgramServicesAmt22517
IRS990/OtherExpensesGrp/TotalAmt0292853
IRS990/OtherExpensesGrp/TotalAmt115000
IRS990/OtherExpensesGrp/TotalAmt22517
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt073806
IRS990/OtherSalariesAndWagesGrp/TotalAmt073806
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt06059
IRS990/PayrollTaxesGrp/TotalAmt06059
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01145
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01200
IRS990/PrincipalOfficerNm0Colleen Haag
IRS990/PriorPeriodAdjustmentsAmt0449
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0448000
IRS990/ProgramServiceRevenueGrp/Desc0Secondhand clothing
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0292167
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0292167
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0263221
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt042872
IRS990/PYInvestmentIncomeAmt044
IRS990/PYOtherExpensesAmt0339005
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0269217
IRS990/PYRevenuesLessExpensesAmt079635
IRS990/PYSalariesCompEmpBnftPaidAmt070970
IRS990/PYTotalExpensesAmt0452847
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0532482
IRS990/ReconcilationRevenueExpnssAmt064341
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0585282
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0367602
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0468637
IRS990/SavingsAndTempCashInvstGrp/BOYAmt053401
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0113
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0293102
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0221762
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0180707
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0151134
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0134047
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0980752
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt013
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt04
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt09
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt09
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt016
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt051
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99995
IRS990ScheduleA/PublicSupportPY170Pct00.99994
IRS990ScheduleA/PublicSupportTotal170Amt0980752
IRS990ScheduleA/ThirtyThrPctSuprtTestsPY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0293102
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0221762
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0180707
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0151134
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0134047
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0980752
IRS990ScheduleA/TotalSupportAmt0980803
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0695
IRS990ScheduleD/EquipmentGrp/DepreciationAmt013015
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt013710
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0327491
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt154669
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Fidelity Investment Account
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Fidelity U.S. Bond Account
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0695
IRS990ScheduleD/TotalBookValueSecuritiesAmt0382160
IRS990/ScheduleJRequiredInd00
IRS990ScheduleM/AnyPropertyThatMustBeHeldInd00
IRS990ScheduleM/ClothingAndHouseholdGoodsGrp/MethodOfDeterminingRevenuesTxt0Estimated
IRS990ScheduleM/ClothingAndHouseholdGoodsGrp/NonCashCheckboxInd0X
IRS990ScheduleM/ClothingAndHouseholdGoodsGrp/NoncashContributionsRptF990Amt0292853

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.42$0.03$5.38$7.02$6.53$0.49
2024Detailed filing. Detailed filing data is available for this year.$4.72$0.03$4.69$5.85$5.21$0.64
2024Summary only. Only limited summary data is available for this year.$4.72$0.03$4.69$5.85$5.21$0.64
2023Summary only. Only limited summary data is available for this year.$3.72$0.04$3.68$5.32$4.53$0.80
2022Summary only. Only limited summary data is available for this year.$2.71$0.03$2.68$4.25$3.77$0.48
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.39$0.02$2.38$3.10$2.88$0.22
2020Summary only. Only limited summary data is available for this year.$2.00$0.15$1.85$2.61$2.96$0.35
2019Summary only. Only limited summary data is available for this year.$2.16$0.01$2.15$3.12$3.16$0.04
2018Summary only. Only limited summary data is available for this year.$2.13$0.02$2.11$2.98$2.98$0.01
2017Summary only. Only limited summary data is available for this year.$2.07$0.04$2.04$2.87$2.87$0.00
2016Summary only. Only limited summary data is available for this year.$1.91$0.04$1.87$3.08$3.11$0.03
2015Summary only. Only limited summary data is available for this year.$1.90$0.01$1.90$3.37$3.57$0.19
2014Summary only. Only limited summary data is available for this year.$2.12$0.04$2.08$3.24$3.42$0.18
2013Summary only. Only limited summary data is available for this year.$2.28$0.02$2.26$3.89$3.41$0.48
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.83$0.05$1.78$3.52
2011Summary only. Only limited summary data is available for this year.$1.81$0.02$1.79$3.49$3.48$0.01