Civic Intelligence

Project Stay Scholarships to Able Youths

990 • Fiscal year 2020 • EIN 74-1603964

Sep 01, 2019 to Aug 31, 2020 • Filed on Jan 11, 2021

700 S ZarzamoraSan Antonio, TX 78207

(210) 433-9307

Siviq Scores

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

Liabilities / Assets

84th percentile

0.60x

Higher debt load relative to assets than 84% of similar nonprofits.

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

Liabilities / Revenue

47th percentile

0.12x

Higher debt load relative to revenue than 47% of similar nonprofits.

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

Net Margin

38th percentile

0.2%

Higher net margin than 38% of similar nonprofits.

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

Top Officer Pay

89th percentile

$189,405

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 10.6% of source-year revenue.

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

Asset Growth

67th percentile

15%

Faster asset growth than 67% of similar nonprofits.

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

Revenue Growth

46th percentile

-1.1%

Faster revenue growth than 46% of similar nonprofits.

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

Assets

Up

$354,644

Up $46,932 (+15%) from 2019

Net Assets

Up

$141,942

Up $3,814 (+2.8%) from 2019

Liabilities

Up

$212,702

Up $43,118 (+25%) from 2019

Revenue

Down

$1,786,244

Down $20,373 (-1.1%) from 2019

Expenses

Down

$1,782,429

Down $23,674 (-1.3%) from 2019

Net Income

Up

$3,815

Up $3,301 (+642%) from 2019

Historical Trend

Balance Sheet Trend

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

$600K$400K$200K$0Assets 2011: $214,410Liabilities 2011: $66,297Net Assets 2011: $148,1132011Assets 2012: $219,587Liabilities 2012: $73,276Net Assets 2012: $146,3112012Assets 2013: $220,883Liabilities 2013: $77,170Net Assets 2013: $143,7132013Assets 2014: $207,248Liabilities 2014: $66,061Net Assets 2014: $141,1872014Assets 2015: $224,983Liabilities 2015: $86,110Net Assets 2015: $138,8732015Assets 2016: $326,365Liabilities 2016: $192,070Net Assets 2016: $134,2952016Assets 2017: $363,466Liabilities 2017: $223,606Net Assets 2017: $139,8602017Assets 2018: $316,756Liabilities 2018: $179,142Net Assets 2018: $137,6142018Assets 2019: $307,712Liabilities 2019: $169,584Net Assets 2019: $138,1282019Assets 2020: $354,644Liabilities 2020: $212,702Net Assets 2020: $141,9422020Assets 2021: $345,850Liabilities 2021: $201,780Net Assets 2021: $144,0702021Assets 2022: $408,898Liabilities 2022: $262,440Net Assets 2022: $146,4582022Assets 2023: $389,510Liabilities 2023: $247,743Net Assets 2023: $141,7672023Assets 2024: $488,359Liabilities 2024: $343,736Net Assets 2024: $144,6232024

Highlighted filing

2020

Assets$354,644
Liabilities$212,702
Net Assets$141,942

Operations Trend

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

$2.0M$1.0M$0-$1.0MRevenue 2011: $1,343,722Expenses 2011: $1,351,082Net Income 2011: -$7,3602011Revenue 2012: $1,371,071Expenses 2012: $1,372,873Net Income 2012: -$1,8022012Revenue 2013: $1,394,849Expenses 2013: $1,397,447Net Income 2013: -$2,5982013Revenue 2014: $1,305,204Expenses 2014: $1,307,730Net Income 2014: -$2,5262014Revenue 2015: $1,423,634Expenses 2015: $1,425,948Net Income 2015: -$2,3142015Revenue 2016: $1,384,371Expenses 2016: $1,388,949Net Income 2016: -$4,5782016Revenue 2017: $1,574,335Expenses 2017: $1,568,770Net Income 2017: $5,5652017Revenue 2018: $1,615,270Expenses 2018: $1,617,516Net Income 2018: -$2,2462018Revenue 2019: $1,806,617Expenses 2019: $1,806,103Net Income 2019: $5142019Revenue 2020: $1,786,244Expenses 2020: $1,782,429Net Income 2020: $3,8152020Revenue 2021: $1,591,449Expenses 2021: $1,589,321Net Income 2021: $2,1282021Revenue 2022: $1,846,820Expenses 2022: $1,844,432Net Income 2022: $2,3882022Revenue 2023: $1,785,843Expenses 2023: $1,790,534Net Income 2023: -$4,6912023Revenue 2024: $1,995,597Expenses 2024: $1,992,741Net Income 2024: $2,8562024

Highlighted filing

2020

Revenue$1,786,244
Expenses$1,782,429
Net Income$3,815
Jump To
Filing Snapshot
Filing Period
Sep 1, 2019 to Aug 31, 2020
Signed
Jan 11, 2021
Return Version
2019v5.1
Gross Receipts
$1,786,244
Mission and Program Overview

Mission

The Organizations purpose is to

The organization's purpose is to assist individuals with pursuing a post-secondary education.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$182,623$179,587▼ $3,036
Accounts Receivable$101,906$116,358▲ $14,452
Cash and Non-Interest-Bearing Accounts$13,860$42,568▲ $28,708
Prepaid Expenses and Deferred Charges$9,323$16,131▲ $6,808
Total Assets$307,712$354,644▲ $46,932
Liabilities
Accounts Payable and Accrued Expenses$76,281$126,148▲ $49,867
Escrow Account Liability$63,789$60,625▼ $3,164
Other Liabilities$29,514$25,929▼ $3,585
Total Liabilities$169,584$212,702▲ $43,118
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$138,128$141,942▲ $3,814
Total Net Assets Fund Balance$138,128$141,942▲ $3,814
Total Liabilities and Net Assets / Fund Balance$307,712$354,644▲ $46,932
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Oscar HernandezExecutive DirectorFT$180,179$9,226$189,405
Oscar Hernandez--$180,179$9,226$189,405
Laura ThompsonAssistant DirectorFT$126,313$6,163$132,476

Board Members and Trustees

NameTitle
John SmithPresident
Ernest LongoriaVice President
Doris BelvinSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$1,779,452
Program Service Revenue
$0
Investment Income
$6,792
Other Revenue
$0
Change in Net Assets
$3,815

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,786,244
Total Revenue per Audited Statements
$1,786,244
Total Revenue per Form 990
$1,786,244
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,394,620
Other Expenses$387,809
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$572,488$167,917$0$740,405
Current Officers, Directors, Trustees, and Key Employees$248,151$72,786$0$320,937
Office Expenses$130,763$9,513$0$140,276
Other Employee Benefits$100,957$29,394$0$130,351
Pension Plan Contributions$96,873$28,206$0$125,079
Occupancy$101,300$17,877$0$119,177
Payroll Taxes$60,293$17,555$0$77,848
All Other Expenses$38,750$49$0$38,799
Fees for Services Accounting$0$32,220$0$32,220
Other Expenses$23,833$0$0$23,833
Travel$14,900$501$0$15,401
Total Functional Expenses$1,406,411$376,018$0$1,782,429

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,782,429
Total Expenses per Audited Statements$1,782,429
Total Expenses per Form 990$1,782,429
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Pension Contribution Payable$25,929
Bank Overdraft$0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Project Stay
EIN
74-1603964
Phone
2104339307
Address
700 S Zarzamora, San Antonio, TX 78207

Signing Officer

Name
Oscar G Hernandez
Title
Executive Director
Phone
2104339307
Signed
2021-01-11

Organization Details

Principal Officer
Oscar Hernandez
Formed
1972
Legal Domicile
TX
Voting Board Members
3
Independent Board Members
3
Employees
24
Volunteers
0

Preparer

Firm
Garza Gonzalez and Associates
Address
207 ARDEN GROVE, SAN ANTONIO, TX 78215
Preparer
Gregory R Garza
Phone
2102271389
Supplemental Narrative

Additional Explanations

Pt VI, Line 2

Executive and Assistant Director are spouses.

Pt VI, Line 7A

The board votes to elect new members.

Pt VI, Line 8B

The Executive Director has the authority to act on behalf of the board.

Pt VI, Line 11B

The Form 990 is reviewed by the Executive Director. The board does not review the Form 990.

Pt VI, Line 7B

The board approves all decisions at their board meetings.

Financial Statement Notes

Pt IV, Line 2B

The full name of the plan is now "Project STAY, Inc. 401(k) Retirement Plan". Types of contributions allowed under the plan include: employee salary deferrals including Roth 401(k) deferrals, employer safe harbor contributions, employer matching contributions (up to 4%), employer profit sharing contributions, and employer roll over contributions.

Pt IV, Line 2B

Employer profit sharing contributions are retained in escrow until the end of the calendar year when contributions are transferred to the third party administrator. The amount in escrow at August 31,2019 represents contributions in escrow from January 1,2019 to August 31,2019.

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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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IRS990ScheduleA/PublicSupportPY170Pct00.99910
IRS990ScheduleA/PublicSupportTotal170Amt08152952
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt01779452
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01802596
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01615063
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01574201
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01381640
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt08152952
IRS990ScheduleA/TotalSupportAmt08166837
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BeginningBalanceAmt063789
IRS990ScheduleD/DistributionsDuringYearAmt03164
IRS990ScheduleD/EndingBalanceAmt060625
IRS990ScheduleD/ExpensesSubtotalAmt01782429
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt025929
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt10
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Pension Contribution Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Bank Overdraft
IRS990ScheduleD/RevenueSubtotalAmt01786244
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The full name of the plan is now "Project STAY, Inc. 401(k) Retirement Plan". Types of contributions allowed under the plan include: employee salary deferrals including Roth 401(k) deferrals, employer safe harbor contributions, employer matching contributions (up to 4%), employer profit sharing contributions, and employer roll over contributions.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Employer profit sharing contributions are retained in escrow until the end of the calendar year when contributions are transferred to the third party administrator. The amount in escrow at August 31,2019 represents contributions in escrow from January 1,2019 to August 31,2019.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt IV, Line 2b
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt IV, Line 2b
IRS990ScheduleD/TotalExpensesPerForm990Amt01782429
IRS990ScheduleD/TotalLiabilityAmt025929
IRS990ScheduleD/TotalRevenuePerForm990Amt01786244
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01786244
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01782429
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0180179
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07285
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt01941
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Oscar Hernandez
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0189405
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Executive and Assistant Director are spouses.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The board votes to elect new members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Executive Director has the authority to act on behalf of the board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Form 990 is reviewed by the Executive Director. The board does not review the Form 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The board approves all decisions at their board meetings.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 7b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0307712
IRS990/TotalAssetsEOYAmt0354644
IRS990/TotalAssetsGrp/BOYAmt0307712
IRS990/TotalAssetsGrp/EOYAmt0354644
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt01779452
IRS990/TotalEmployeeCnt024
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0376018
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01406411
IRS990/TotalFunctionalExpensesGrp/TotalAmt01782429
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0169584
IRS990/TotalLiabilitiesEOYAmt0212702
IRS990/TotalLiabilitiesGrp/BOYAmt0169584
IRS990/TotalLiabilitiesGrp/EOYAmt0212702
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0138128
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0141942
IRS990/TotalOtherCompensationAmt015389
IRS990/TotalProgramServiceExpensesAmt01406411
IRS990/TotalReportableCompFromOrgAmt0306492
IRS990/TotalRevenueGrp/ExclusionAmt06792
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01786244
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0307712
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0354644
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/FundraisingAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt0501
IRS990/TravelGrp/ProgramServicesAmt014900
IRS990/TravelGrp/TotalAmt015401
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0700 S Zarzamora
IRS990/USAddress/CityNm0San Antonio
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd078207
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0http://projectstay.org/
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Oscar G Hernandez
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Director

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.49$0.34$0.14$2.00$1.99$0.00
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.39$0.25$0.14$1.79$1.79$0.00
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.41$0.26$0.15$1.85$1.84$0.00
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.35$0.20$0.14$1.59$1.59$0.00
2020Detailed filing. Detailed filing data is available for this year.$0.35$0.21$0.14$1.79$1.78$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.31$0.17$0.14$1.81$1.81$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.32$0.18$0.14$1.62$1.62$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.36$0.22$0.14$1.57$1.57$0.01
2016Summary only. Only limited summary data is available for this year.$0.33$0.19$0.13$1.38$1.39$0.00
2015Summary only. Only limited summary data is available for this year.$0.22$0.09$0.14$1.42$1.43$0.00
2014Summary only. Only limited summary data is available for this year.$0.21$0.07$0.14$1.31$1.31$0.00
2013Summary only. Only limited summary data is available for this year.$0.22$0.08$0.14$1.39$1.40$0.00
2012Summary only. Only limited summary data is available for this year.$0.22$0.07$0.15$1.37$1.37$0.00
2011Summary only. Only limited summary data is available for this year.$0.21$0.07$0.15$1.34$1.35$0.01