Liabilities / Assets
66th percentile
Higher debt load relative to assets than 66% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.02x
Liabilities / Revenue
85th percentile
Higher debt load relative to revenue than 85% of similar nonprofits.
Net Margin
30th percentile
Higher net margin than 30% of similar nonprofits.
Top Officer Pay
75th percentile
Higher top officer pay than 75% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
41st percentile
Faster asset growth than 41% of similar nonprofits.
Revenue Growth
58th percentile
Faster revenue growth than 58% of similar nonprofits.
Balance Sheet
Assets
Down$420,993
Down $9,752 (-2.3%) from 2014
Net Assets
Down$411,636
Down $3,095 (-0.7%) from 2014
Liabilities
Down$9,357
Down $6,657 (-42%) from 2014
Revenue And Expenses
Revenue
Up$61,729
Up $3,526 (+6.1%) from 2014
Expenses
Down$64,824
Down $2,108 (-3.1%) from 2014
Net Income
Up-$3,095
Up $5,634 (+65%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jul 1, 2014 to Jun 30, 2015
- Signed
- May 10, 2016
- Return Version
- 2014v6.0
- Gross Receipts
- $61,729
Mission and Program Overview
Mission
Providing affordable housing to the chronically mentally disabled under section 811 of the national affordable housing act.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| PROVIDING AFFORDABLE HOUSING TO THE CHRONICALLY MENTALLY DISABLED. | $0 | $58,953 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| JEFF RICHARDSON | President | - | $0 | - | - |
| JANET DEAL | Treasurer | - | $0 | - | - |
| MARY ELLEN SATERLIE | Secretary | - | $0 | - | - |
| ROBERT HALL | Vice President | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Dos Delos Inc
- EIN
- 52-2211157
- Phone
- 4107474492
- Address
- 1925 GREENSPRING DRIVE, TIMONIUM, MD 21093
Signing Officer
- Name
- Janet Deal
- Title
- Treasurer
- Phone
- 4107474492
- Signed
- 2016-05-10
Preparer
- Firm
- O'CONNOR DAVIES LLP
- Address
- 665 FIFTH AVENUE, NEW YORK, NY 10022
- Preparer
- Garrett M Higgins
- Phone
- 3016523464
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 4 - Other Investment Income
“Description: interest income. Amount: 4.”
Form 990-ez, Part I, Line 16 - Other Expenses
“Description: administrative expenses. Amount: 5. Description: operating and maintenance. Amount: 11,889. Description: taxes and licenses. Amount: 68. Description: interest expense. Amount: 20. Description: depreciation. Amount: 15,535. Description: conventions & meetings. Amount: 107. Description: management fee paid to affiliate. Amount: 4,646. Total to form 990-ez, line 16: 32,270.”
Form 990-ez, Part II, Line 24 - Other Assets
“Description: restricted deposits and funded reserves. Beg. Of year amount: 7,562. End of year amount: 9,579. Description: prepaid expenses and deferred charges. Beg. Of year amount: 1,398. End of year amount: 696.”
Form 990-ez, Part II, Line 26 - Other Liabilities
“Description: deposits and prepayment liabilities. Beg. Of year amount: 865. End of year amount: 682. Description: accounts payable and accrued expenses. Beg. Of year amount: 15,149. End of year amount: 8,675.”
Raw XML Appendix172 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/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | JANET DEAL TREASURER |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 4107474492 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1925 GREENSPRING DRIVE |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | TIMONIUM |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MD |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 21093 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 1997 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 6465 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -3095 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 6366 |
| IRS990EZ/FiledScheduleAInd | 0 | 1 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 430745 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 420993 |
| IRS990EZ/GrossReceiptsAmt | 0 | 61729 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 4 |
| IRS990EZ/LandAndBuildingsGrp/BOYAmt | 0 | 419788 |
| IRS990EZ/LandAndBuildingsGrp/EOYAmt | 0 | 404253 |
| IRS990EZ/LobbyingActivitiesInd | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 414731 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 411636 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 414731 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 411636 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 8458 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | JEFF RICHARDSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | JANET DEAL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | MARY ELLEN SATERLIE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | ROBERT HALL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | VICE PRESIDENT |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 8960 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 10275 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 32270 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | PROVIDING AFFORDABLE HOUSING TO THE CHRONICALLY MENTALLY DISABLED UNDER SECTION 811 OF THE NATIONAL AFFORDABLE HOUSING ACT. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 61725 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | PROVIDING AFFORDABLE HOUSING TO THE CHRONICALLY MENTALLY DISABLED. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 58953 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 17730 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 16014 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 9357 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 64824 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 58953 |
| IRS990EZ/TotalRevenueAmt | 0 | 61729 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 4 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 3 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 5 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 6 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 5 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 23 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 61725 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 58200 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 58743 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 59850 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 56817 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 295335 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 4 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 3 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 5 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 6 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 5 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 23 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00010 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.00010 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.99990 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.99990 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 295335 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 61725 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 58200 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 58743 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 59850 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 56817 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 295335 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 61729 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 58203 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 58748 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 59856 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 56822 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 295358 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: INTEREST INCOME. AMOUNT: 4. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: ADMINISTRATIVE EXPENSES. AMOUNT: 5. DESCRIPTION: OPERATING AND MAINTENANCE. AMOUNT: 11,889. DESCRIPTION: TAXES AND LICENSES. AMOUNT: 68. DESCRIPTION: INTEREST EXPENSE. AMOUNT: 20. DESCRIPTION: DEPRECIATION. AMOUNT: 15,535. DESCRIPTION: CONVENTIONS & MEETINGS. AMOUNT: 107. DESCRIPTION: MANAGEMENT FEE PAID TO AFFILIATE. AMOUNT: 4,646. TOTAL TO FORM 990-EZ, LINE 16: 32,270. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DESCRIPTION: RESTRICTED DEPOSITS AND FUNDED RESERVES. BEG. OF YEAR AMOUNT: 7,562. END OF YEAR AMOUNT: 9,579. DESCRIPTION: PREPAID EXPENSES AND DEFERRED CHARGES. BEG. OF YEAR AMOUNT: 1,398. END OF YEAR AMOUNT: 696. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | DESCRIPTION: DEPOSITS AND PREPAYMENT LIABILITIES. BEG. OF YEAR AMOUNT: 865. END OF YEAR AMOUNT: 682. DESCRIPTION: ACCOUNTS PAYABLE AND ACCRUED EXPENSES. BEG. OF YEAR AMOUNT: 15,149. END OF YEAR AMOUNT: 8,675. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2016-08-17 19:52:53Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JANET DEAL |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TREASURER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4107474492 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-05-10 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | DOS DELOS INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | DOSD |
| ReturnHeader/Filer/EIN | 0 | 522211157 |
| ReturnHeader/Filer/PhoneNum | 0 | 4107474492 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 1925 GREENSPRING DRIVE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | TIMONIUM |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MD |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 21093 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 271728945 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | O'CONNOR DAVIES LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 665 FIFTH AVENUE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | NEW YORK |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | NY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 10022 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3016523464 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-05-09 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | GARRETT M HIGGINS |
| ReturnHeader/ReturnTs | 0 | 2016-05-11T08:51:55-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2014-07-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-06-30 |
| ReturnHeader/TaxYr | 0 | 2014 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $420,993
- Liabilities
- $9,357
- Net assets
- $411,636
- Revenue
- $61,729
- Expenses
- $64,824
- Net income
- -$3,095