Civic Intelligence

Future Harvest Incorporated a Chesapeake Alliance for Sustainable Agriculture

990 • Fiscal year 2020 • EIN 52-2132982

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 12, 2021

1114 Shawan Road Suite 1Cockeysville, MD 21030

(410) 549-7878

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.06x

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

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

49th percentile

0.13x

Higher debt load relative to revenue than 49% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Net Margin

18th percentile

-16%

Higher net margin than 18% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

59th percentile

$79,797

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 9.1% of source-year revenue.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Asset Growth

11th percentile

-7.5%

Faster asset growth than 11% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

6th percentile

-58%

Faster revenue growth than 6% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Assets

Down

$1,924,122

Down $155,194 (-7.5%) from 2019

Net Assets

Down

$1,811,203

Down $135,564 (-7.0%) from 2019

Liabilities

Down

$112,919

Down $19,630 (-15%) from 2019

Revenue

Down

$874,332

Down $1,220,467 (-58%) from 2019

Expenses

Down

$1,010,131

Down $13,290 (-1.3%) from 2019

Net Income

Down

-$135,799

Down $1,207,177 (-113%) from 2019

Historical Trend

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0Assets 2011: $149,828Liabilities 2011: $59,711Net Assets 2011: $90,1172011Assets 2012: $210,522Liabilities 2012: $74,623Net Assets 2012: $135,8992012Assets 2013: $246,169Liabilities 2013: $174,964Net Assets 2013: $71,2052013Assets 2014: $269,007Liabilities 2014: $117,360Net Assets 2014: $151,6472014Assets 2015: $438,780Liabilities 2015: $334,918Net Assets 2015: $103,8622015Assets 2016: $555,255Liabilities 2016: $382,155Net Assets 2016: $173,1002016Assets 2017: $670,130Liabilities 2017: $458,162Net Assets 2017: $211,9682017Assets 2018: $966,445Liabilities 2018: $91,358Net Assets 2018: $875,0872018Assets 2019: $2,079,316Liabilities 2019: $132,549Net Assets 2019: $1,946,7672019Assets 2020: $1,924,122Liabilities 2020: $112,919Net Assets 2020: $1,811,2032020Assets 2021: $1,638,711Liabilities 2021: $155,090Net Assets 2021: $1,483,6212021Assets 2022: $1,177,052Liabilities 2022: $96,310Net Assets 2022: $1,080,7422022Assets 2023: $938,415Liabilities 2023: $213,269Net Assets 2023: $725,1462023Assets 2024: $857,148Liabilities 2024: $265,388Net Assets 2024: $591,7602024

Highlighted filing

2020

Assets$1,924,122
Liabilities$112,919
Net Assets$1,811,203

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $137,145Expenses 2011: $93,909Net Income 2011: $43,2362011Revenue 2012: $303,722Expenses 2012: $257,940Net Income 2012: $45,7822012Revenue 2013: $281,511Expenses 2013: $346,205Net Income 2013: -$64,6942013Revenue 2014: $352,269Expenses 2014: $271,827Net Income 2014: $80,4422014Revenue 2015: $392,322Expenses 2015: $440,107Net Income 2015: -$47,7852015Revenue 2016: $656,230Expenses 2016: $586,992Net Income 2016: $69,2382016Revenue 2017: $814,164Expenses 2017: $775,296Net Income 2017: $38,8682017Revenue 2018: $1,250,150Expenses 2018: $932,443Net Income 2018: $317,7072018Revenue 2019: $2,094,799Expenses 2019: $1,023,421Net Income 2019: $1,071,3782019Revenue 2020: $874,332Expenses 2020: $1,010,131Net Income 2020: -$135,7992020Revenue 2021: $615,549Expenses 2021: $827,387Net Income 2021: -$211,8382021Revenue 2022: $525,914Expenses 2022: $925,742Net Income 2022: -$399,8282022Revenue 2023: $965,168Expenses 2023: $1,328,477Net Income 2023: -$363,3092023Revenue 2024: $1,202,479Expenses 2024: $1,339,433Net Income 2024: -$136,9542024

Highlighted filing

2020

Revenue$874,332
Expenses$1,010,131
Net Income-$135,799
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 12, 2021
Return Version
2020v4.1
Gross Receipts
$875,605
Mission and Program Overview

Mission

Working to advance agriculture that sustains the chesapeake region's farmers, communities, and environment.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,465,297$1,212,368▼ $252,929
Cash and Non-Interest-Bearing Accounts$436,237$557,921▲ $121,684
Pledges and Grants Receivable$165,993$105,362▼ $60,631
Prepaid Expenses and Deferred Charges$1,700$30,651▲ $28,951
Investments Other Securities$8,583$16,682▲ $8,099
Land, Buildings, and Equipment, Net$1,506$1,138▼ $368
Total Assets$2,079,316$1,924,122▼ $155,194
Liabilities
Accounts Payable and Accrued Expenses$88,467$81,998▼ $6,469
Deferred Revenue$44,082$30,921▼ $13,161
Total Liabilities$132,549$112,919▼ $19,630
Net Assets / Fund Balance
Net Assets With Donor Restrictions$1,407,350$1,153,899▼ $253,451
Net Assets Without Donor Restrictions$539,417$657,304▲ $117,887
Total Net Assets Fund Balance$1,946,767$1,811,203▼ $135,564
Total Liabilities and Net Assets / Fund Balance$2,079,316$1,924,122▼ $155,194

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,138$2,206$3,344
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Dena LeibmanExecutive DirectorFT$79,797$79,797

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$671,011
Program Service Revenue
$196,022
Investment Income
$7,156
Other Revenue
$143
All Other Contributions
$405,294
Change in Net Assets
$-135,799
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$506,892
Salaries, Compensation, and Employee Benefits$503,239
Total Fundraising Expense$32,969
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$279,662$35,485$27,699$342,846
Fees for Services Other$184,898$10,650-$195,548
Current Officers, Directors, Trustees, and Key Employees$79,797--$79,797
Occupancy$67,314--$67,314
Payroll Taxes$38,722$3,823$2,983$45,528
Other Employee Benefits$29,610$3,369$2,089$35,068
All Other Expenses$20,494$10,669$198$31,361
Fees for Services Accounting-$29,327-$29,327
Conferences and Meetings$25,597$182-$25,779
Other Expenses$20,650$300-$20,650
Travel$12,348$249-$12,597
Office Expenses$9,495$2,829-$12,324
Insurance$1,109$4,968-$6,077
Depreciation Depletion$368--$368
Total Functional Expenses$873,692$103,470$32,969$1,010,131
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
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
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 A, Line 8B

Timely minutes of board meetings were held by the governing body.

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

Form 990 is made available to the board of directors for review and comment prior to filing.

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

The organization regularly monitors compliance with conflict of interest policy.

Form 990, Part VI, Section B, Line 15

The board reviews all compensation matters.

Form 990, Part VI, Section C, Line 18

The organization makes form 990 and other public inspection documents available upon request.

Form 990, Part VI, Section C, Line 19

The organization makes its governing documents, conflict of interest policy, and financial statements available upon request.

Filing and Contact Details

Filer

Filer Name
Future Harvest Inc
EIN
52-2132982
Phone
4105497878
Address
1114 SHAWAN ROAD SUITE 1, COCKEYSVILLE, MD 21030

Signing Officer

Name
Dena Leibman
Title
Executive Director
Phone
4105497878
Signed
2021-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dena Leibman
Formed
1998
Legal Domicile
Md
Voting Board Members
22
Independent Board Members
22
Employees
10
Volunteers
20

Preparer

Firm
Weyrich Cronin & Sorra LLC
Address
20 WIGHT AVENUE SUITE 210, HUNT VALLEY, MD 21030
Preparer
Karen L Dojan CPA
Phone
4103396464
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Contractors: program service expenses 175,710. Management and general expenses 10,650. Fundraising expenses 0. Total expenses 186,360. Graphic design: program service expenses 5,228. Management and general expenses 0. Fundraising expenses 0. Total expenses 5,228. Soil benchmark study: program service expenses 3,960. Management and general expenses 0. Fundraising expenses 0. Total expenses 3,960.

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IRS990/Form990PartVIISectionAGrp/TitleTxt12MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt18MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt19MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt20EXECUTIVE DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01998
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt05927
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt022
IRS990/GovernmentGrantsAmt0252254
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt07200
IRS990/GrossReceiptsAmt0875605
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt022
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt04968
IRS990/InsuranceGrp/ProgramServicesAmt01109
IRS990/InsuranceGrp/TotalAmt06077
IRS990/InvestmentIncomeGrp/ExclusionAmt01229
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01229
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt08583
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt016682
IRS990/IRPDocumentCnt035
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02206
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01506
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01138
IRS990/LandBldgEquipCostOrOtherBssAmt03344
IRS990/LegalDomicileStateCd0MD
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01273
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt013463
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WORKING TO ADVANCE AGRICULTURE THAT SUSTAINS THE CHESAPEAKE REGION'S FARMERS, COMMUNITIES, AND ENVIRONMENT.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01946767
IRS990/NetAssetsOrFundBalancesEOYAmt01811203
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt05927
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt05927
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0235
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0539417
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0657304
IRS990/NoncashContributionsAmt03234
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt067314
IRS990/OccupancyGrp/TotalAmt067314
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt02829
IRS990/OfficeExpensesGrp/ProgramServicesAmt09495
IRS990/OfficeExpensesGrp/TotalAmt012324
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt02089
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt03369
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt029610
IRS990/OtherEmployeeBenefitsGrp/TotalAmt035068
IRS990/OtherExpensesGrp/Desc0MARKETING
IRS990/OtherExpensesGrp/Desc1SCHOLARSHIPS
IRS990/OtherExpensesGrp/Desc2SPEAKERS
IRS990/OtherExpensesGrp/Desc3PRINTING
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01619
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1300
IRS990/OtherExpensesGrp/ProgramServicesAmt044395
IRS990/OtherExpensesGrp/ProgramServicesAmt132956
IRS990/OtherExpensesGrp/ProgramServicesAmt226277
IRS990/OtherExpensesGrp/ProgramServicesAmt320650
IRS990/OtherExpensesGrp/TotalAmt046014
IRS990/OtherExpensesGrp/TotalAmt132956
IRS990/OtherExpensesGrp/TotalAmt226577
IRS990/OtherExpensesGrp/TotalAmt320650
IRS990/OtherRevenueMiscGrp/BusinessCd0110000
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS REVENUE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0143
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0143
IRS990/OtherRevenueTotalAmt0143
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt027699
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt035485
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0279662
IRS990/OtherSalariesAndWagesGrp/TotalAmt0342846
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/FundraisingAmt02983
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt03823
IRS990/PayrollTaxesGrp/ProgramServicesAmt038722
IRS990/PayrollTaxesGrp/TotalAmt045528
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0165993
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0105362
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01700
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt030651
IRS990/PrincipalOfficerNm0DENA LEIBMAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0110000
IRS990/ProgramServiceRevenueGrp/BusinessCd1110000
IRS990/ProgramServiceRevenueGrp/Desc0CONFERENCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1PROGRAM FEES & SPONSOR
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0173625
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt122397
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0173625
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt122397
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01925587
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0597
IRS990/PYOtherExpensesAmt0656481
IRS990/PYOtherRevenueAmt0615
IRS990/PYProgramServiceRevenueAmt0168000
IRS990/PYRevenuesLessExpensesAmt01071378
IRS990/PYSalariesCompEmpBnftPaidAmt0366940
IRS990/PYTotalExpensesAmt01023421
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02094799
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-135799
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0196165
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01465297
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01212368
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0671011
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01925587
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0906142
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0653338
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0507542
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt04663620
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt01229
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0597
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt039
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt091
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0101
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt02057
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99960
IRS990ScheduleA/PublicSupportPY170Pct00.99980
IRS990ScheduleA/PublicSupportTotal170Amt04663620
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0671011
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01925587
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0906142

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.86$0.27$0.59$1.20$1.34$0.14
2023Detailed filing. Detailed filing data is available for this year.$0.94$0.21$0.73$0.97$1.33$0.36
2022Detailed filing. Detailed filing data is available for this year.$1.18$0.10$1.08$0.53$0.93$0.40
2021Detailed filing. Detailed filing data is available for this year.$1.64$0.16$1.48$0.62$0.83$0.21
2020Detailed filing. Detailed filing data is available for this year.$1.92$0.11$1.81$0.87$1.01$0.14
2019Summary only. Only limited summary data is available for this year.$2.08$0.13$1.95$2.09$1.02$1.07
2018Detailed filing. Detailed filing data is available for this year.$0.97$0.09$0.88$1.25$0.93$0.32
2017Detailed filing. Detailed filing data is available for this year.$0.67$0.46$0.21$0.81$0.78$0.04
2016Detailed filing. Detailed filing data is available for this year.$0.56$0.38$0.17$0.66$0.59$0.07
2015Detailed filing. Detailed filing data is available for this year.$0.44$0.33$0.10$0.39$0.44$0.05
2014Detailed filing. Detailed filing data is available for this year.$0.27$0.12$0.15$0.35$0.27$0.08
2013Detailed filing. Detailed filing data is available for this year.$0.25$0.17$0.07$0.28$0.35$0.06
2012Summary only. Only limited summary data is available for this year.$0.21$0.07$0.14$0.30$0.26$0.05
2011Summary only. Only limited summary data is available for this year.$0.15$0.06$0.09$0.14$0.09$0.04