Civic Intelligence

Representative Financial Services Inc

990EZ • Fiscal year 2021 • EIN 54-2193142

Jan 01, 2021 to Dec 31, 2021 • Filed on Feb 26, 2022

Organization ProfileN/A
PO Box BRhinelander, WI 54501

(715) 493-3167

Siviq Scores

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

Liabilities / Assets

90th percentile

0.56x

Higher debt load relative to assets than 90% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Liabilities / Revenue

81st percentile

0.13x

Higher debt load relative to revenue than 81% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Net Margin

67th percentile

22%

Higher net margin than 67% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Top Officer Pay

81st percentile

$10,100

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 15.4% of source-year revenue.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Asset Growth

90th percentile

107%

Faster asset growth than 90% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Annualized from 2020 to 2021

Revenue Growth

51st percentile

4.8%

Faster revenue growth than 51% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$14,911

Up $7,720 (+107%) from 2020

Net Assets

Up

$6,521

Up $6,895 (+1844%) from 2020

Liabilities

Up

$8,390

Up $825 (+11%) from 2020

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin67th percentile

Revenue

Up

$65,457

Up $3,025 (+4.8%) from 2020

Expenses

Down

$50,940

Down $11,763 (-19%) from 2020

Net Income

Up

$14,517

Up $14,788 (+5457%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth90th percentile

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

$30K$20K$10K$0-$10KAssets 2010: $1,794Liabilities 2010: $3,1872010Assets 2011: $2,800Liabilities 2011: $3,644Net Assets 2011: -$8442011Assets 2012: $4,092Liabilities 2012: $3,8442012Assets 2013: $1,781Liabilities 2013: $3,8732013Assets 2017: $20,655Liabilities 2017: $23,2872017Assets 2018: $18,007Liabilities 2018: $22,0532018Assets 2019: $20,947Liabilities 2019: $27,6432019Assets 2020: $7,191Liabilities 2020: $7,565Net Assets 2020: -$3742020Assets 2021: $14,911Liabilities 2021: $8,390Net Assets 2021: $6,5212021Assets 2022: $11,443Liabilities 2022: $1,845Net Assets 2022: $9,5982022Assets 2023: $9,562Liabilities 2023: $858Net Assets 2023: $8,7042023Assets 2024: $10,152Liabilities 2024: $1,440Net Assets 2024: $8,7122024

Highlighted filing

2021

Assets$14,911
Liabilities$8,390
Net Assets$6,521
Open 2021 Filing

Operations Trend

Revenue Growth51st percentile

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

$100K$50K$0-$50KRevenue 2010: $69,760Expenses 2010: $70,598Net Income 2010: -$8382010Revenue 2011: $78,729Expenses 2011: $78,180Net Income 2011: $5492011Revenue 2012: $81,219Expenses 2012: $80,126Net Income 2012: $1,0932012Revenue 2013: $78,721Expenses 2013: $81,063Net Income 2013: -$2,3422013Revenue 2017: $65,081Expenses 2017: $66,027Net Income 2017: -$9462017Revenue 2018: $65,736Expenses 2018: $67,150Net Income 2018: -$1,4142018Revenue 2019: $62,144Expenses 2019: $64,794Net Income 2019: -$2,6502019Revenue 2020: $62,432Expenses 2020: $62,703Net Income 2020: -$2712020Revenue 2021: $65,457Expenses 2021: $50,940Net Income 2021: $14,5172021Revenue 2022: $68,661Expenses 2022: $65,584Net Income 2022: $3,0772022Revenue 2023: $67,504Expenses 2023: $68,398Net Income 2023: -$8942023Revenue 2024: $66,633Expenses 2024: $66,625Net Income 2024: $82024

Highlighted filing

2021

Revenue$65,457
Expenses$50,940
Net Income$14,517
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Feb 26, 2022
Return Version
2021v4.1
Gross Receipts
$65,457
Mission and Program Overview

Mission

The SS Administration requires our agency to be a non-profit corp to act as representative payee for our clients receiving SSA benefits who need our insured professional financial management due to disability or advanced age

Program Services

DescriptionGrantsExpenses
RFS has provided safe, insured financial managementservices to individuals needing these services$0$0
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
KATHLEEN BAKERTreasurer/ Key EmployeePT$10,100-$10,100
SHELLEY EADESSecretaryFT$4,600-$4,600
JEREMY BAKERVice-Pres-$0--
Filing and Contact Details

Filer

Filer Name
Representative Financial Services Inc
EIN
54-2193142
Phone
7154933167
Address
PO BOX B, RHINELANDER, WI 54501

Signing Officer

Name
Kathleen Baker
Title
Treasurer
Phone
7154933167
Signed
2022-02-26

Preparer

Firm
Clc Payroll Accounting & Tax Services LLC
Address
1216 EAGLE ST, RHINELANDER, WI 54501
Preparer
Cindy L Carroll
Phone
7153653500
Supplemental Narrative

Additional Explanations

Other

“Reduced liabilities by reducing credit card debt to zero which resulted in higher bank balance”

Form 990EZ, Part I, Line 16

“Payroll tax expense 1530.”

Form 990EZ, Part I, Line 16

“INSURANCE 2801.”

Form 990EZ, Part I, Line 16

“OFFICE SUPPLIES 2000.”

Form 990EZ, Part I, Line 16

“Auto/mileage expense 1707.”

Form 990EZ, Part I, Line 16

“ADVERTISING 205.”

Form 990EZ, Part I, Line 16

“LICENSES 50.”

Form 990EZ, Part I, Line 16

“DUES/SUBSCRIPTIONS 173.”

Form 990EZ, Part I, Line 16

“BANK CHARGES 262.”

Form 990EZ, Part I, Line 16

“DONATIONS 214.”

Form 990EZ, Part I, Line 16

“MISC EXPENSES 37.”

Raw XML Appendix180 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/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0SHELLEY EADES
IRS990EZ/BooksInCareOfDetail/PhoneNum07154933167
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX B
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0RHINELANDER
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd054501
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt01742
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt014911
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt0916
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt014517
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt03245
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt09857
IRS990EZ/Form990TotalAssetsGrp/EOYAmt014911
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt065457
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-6967
IRS990EZ/NetAssetsOrFundBalancesEOYAmt06521
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-6967
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt06521
IRS990EZ/OccupancyRentUtltsAndMaintAmt014909
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt02.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt135.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt220.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt14600
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt210100
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JEREMY BAKER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1SHELLEY EADES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2KATHLEEN BAKER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0VICE-PRES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER/ KEY EMPLOYEE
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt08115
IRS990EZ/OtherChangesInNetAssetsAmt0-1029
IRS990EZ/OtherExpensesTotalAmt08979
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0The SS Administration requires our agency to be a non-profit corp to act as representative payee for our clients receiving SSA benefits who need our insured professional financial management due to disability or advanced age
IRS990EZ/PrintingPublicationsPostageAmt03607
IRS990EZ/ProgramServiceRevenueAmt064541
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0RFS has provided safe, insured financial managementservices to individuals needing these services
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt020200
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt016824
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt08390
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt050940
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt065457
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0916
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt03090
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt01643
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt01394
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt092
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt07135
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt064541
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt059342
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt060501
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt064341
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt064989
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0313714
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0320849
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt065457
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt062432
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt062144
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt065735
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt065081
IRS990ScheduleA/Total509Grp/TotalAmt0320849
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0320849
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Reduced liabilities by reducing credit card debt to zero which resulted in higher bank balance
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PAYROLL TAX EXPENSE 1530.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2INSURANCE 2801.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3OFFICE SUPPLIES 2000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AUTO/MILEAGE EXPENSE 1707.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ADVERTISING 205.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6LICENSES 50.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DUES/SUBSCRIPTIONS 173.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BANK CHARGES 262.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9DONATIONS 214.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10MISC EXPENSES 37.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990EZ, Part I, Line 16
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Kathleen Baker
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum07154933167
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-02-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0REPRESENTATIVE FINANCIAL SERVICES INC
ReturnHeader/Filer/BusinessNameControlTxt0REPR
ReturnHeader/Filer/EIN0542193142
ReturnHeader/Filer/PhoneNum07154933167
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX B
ReturnHeader/Filer/USAddress/CityNm0RHINELANDER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054501
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0821722544
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CLC PAYROLL ACCOUNTING & TAX SERVICES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01216 EAGLE ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0RHINELANDER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd054501
ReturnHeader/PreparerPersonGrp/PhoneNum07153653500
ReturnHeader/PreparerPersonGrp/PreparationDt02022-03-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cindy L Carroll
ReturnHeader/ReturnTs02022-03-22T10:10:25-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Kathleen
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Baker
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$14,911
Liabilities
$8,390
Net assets
$6,521
Revenue
$65,457
Expenses
$50,940
Net income
$14,517
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$10.2$1.44$8.71$66.6$66.6$0.01
2023Detailed filing. Detailed filing data is available for this year.$9.56$0.86$8.70$67.5$68.4$0.89
2022Detailed filing. Detailed filing data is available for this year.$11.4$1.85$9.60$68.7$65.6$3.08
2021Detailed filing. Detailed filing data is available for this year.$14.9$8.39$6.52$65.5$50.9$14.5
2020Detailed filing. Detailed filing data is available for this year.$7.19$7.57$0.37$62.4$62.7$0.27
2019Summary only. Only limited summary data is available for this year.$20.9$27.6$62.1$64.8$2.65
2018Summary only. Only limited summary data is available for this year.$18.0$22.1$65.7$67.2$1.41
2017Summary only. Only limited summary data is available for this year.$20.7$23.3$65.1$66.0$0.95
2013Summary only. Only limited summary data is available for this year.$1.78$3.87$78.7$81.1$2.34
2012Summary only. Only limited summary data is available for this year.$4.09$3.84$81.2$80.1$1.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.80$3.64$0.84$78.7$78.2$0.55
2010Summary only. Only limited summary data is available for this year.$1.79$3.19$69.8$70.6$0.84