Civic Intelligence

Burleson County Saddle Club

990EZ • Fiscal year 2015 • EIN 74-2093641

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 03, 2016

Organization ProfileN/A
P O Box 577Caldwell, TX 77836

(979) 272-1569

Siviq Scores

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

Liabilities / Assets

75th percentile

0.09x

Higher debt load relative to assets than 75% of similar nonprofits.

2015 filings • 501(c)4 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

84th percentile

0.22x

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

2015 filings • 501(c)4 • <$500k nonprofits • Source year 2015

Net Margin

88th percentile

31%

Higher net margin than 88% of similar nonprofits.

2015 filings • 501(c)4 • <$500k nonprofits • Source year 2015

Top Officer Pay

85th percentile

$0

Higher top officer pay than 85% of similar nonprofits.

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

2015 filings • 501(c)4 • <$500k nonprofits • Source year 2015

Asset Growth

71st percentile

12%

Faster asset growth than 71% of similar nonprofits.

2015 filings • 501(c)4 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

86th percentile

31%

Faster revenue growth than 86% of similar nonprofits.

2015 filings • 501(c)4 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$352,213

Up $37,514 (+12%) from 2014

Net Assets

Up

$321,925

Up $42,358 (+15%) from 2014

Liabilities

Down

$30,288

Down $4,844 (-14%) from 2014

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin88th percentile

Revenue

Up

$135,590

Up $31,753 (+31%) from 2014

Expenses

Down

$93,232

Down $26,817 (-22%) from 2014

Net Income

Up

$42,358

Up $58,570 (+361%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth71st percentile

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

$400K$300K$200K$100K$0Assets 2011: $335,561Liabilities 2011: $44,1762011Assets 2012: $348,335Liabilities 2012: $43,3222012Assets 2013: $333,328Liabilities 2013: $37,4592013Assets 2014: $314,699Liabilities 2014: $35,132Net Assets 2014: $279,5672014Assets 2015: $352,213Liabilities 2015: $30,288Net Assets 2015: $321,9252015Assets 2016: $329,948Liabilities 2016: $22,094Net Assets 2016: $307,8542016Assets 2017: $329,249Liabilities 2017: $22,094Net Assets 2017: $307,1552017Assets 2018: $287,014Liabilities 2018: $17,094Net Assets 2018: $269,9202018Assets 2019: $277,371Liabilities 2019: $17,2442019

Highlighted filing

2015

Assets$352,213
Liabilities$30,288
Net Assets$321,925
Open 2015 Filing

Operations Trend

Revenue Growth86th percentile

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

$200K$100K$0-$100KRevenue 2011: $94,149Expenses 2011: $95,760Net Income 2011: -$1,6112011Revenue 2012: $104,596Expenses 2012: $110,838Net Income 2012: -$6,2422012Revenue 2013: $102,866Expenses 2013: $112,100Net Income 2013: -$9,2342013Revenue 2014: $103,837Expenses 2014: $120,049Net Income 2014: -$16,2122014Revenue 2015: $135,590Expenses 2015: $93,232Net Income 2015: $42,3582015Revenue 2016: $128,496Expenses 2016: $140,423Net Income 2016: -$11,9272016Revenue 2017: $140,012Expenses 2017: $139,132Net Income 2017: $8802017Revenue 2018: $127,544Expenses 2018: $164,829Net Income 2018: -$37,2852018Revenue 2019: $162,296Expenses 2019: $172,089Net Income 2019: -$9,7932019

Highlighted filing

2015

Revenue$135,590
Expenses$93,232
Net Income$42,358
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 3, 2016
Return Version
2015v2.1
Gross Receipts
$144,010
Mission and Program Overview

Mission

To provide recreation and support area youths.

Program Services

DescriptionGrantsExpenses
YOUTH RODEO: AN ACTIVITY HELD IN SPRING AND FALL TO PROVIDE RECREATION FOR AREA YOUTH, APPROXIMATELY 180 YOUNG PEOPLE PARTICIPATED THIS YEAR.$53,242$47,187
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
SHAWN DOLLERYCo-PresidentPT$0--
DENNIS ENGELMANNCo-PresidentPT$0--
GAIL BROUSSARDTreasurerPT$0--
ANNE DOLLERYSecretaryPT$0--
-Secretary-$0--
Filing and Contact Details

Filer

Filer Name
Burleson County Saddle Club
EIN
74-2093641
Phone
9792721569
Address
P O BOX 577, CALDWELL, TX 77836

Signing Officer

Name
Anne Dollery
Title
Secretary
Phone
9792721569
Signed
2016-08-03
Discuss with paid preparer
Yes

Preparer

Firm
Kluck Lamb Rovinelli Llp
Address
3002 TEXAS AVENUE SOUTH, COLLEGE STATION, TX 77845
Preparer
Ginnie Rovinelli
Phone
9796932500
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 8

“RENTS 19155.”

Form 990EZ, Part I, Line 8

“INTEREST 12.”

Form 990EZ, Part I, Line 16

“Depreciation 21949.”

Form 990EZ, Part I, Line 16

“BANK FEES 30.”

Form 990EZ, Part I, Line 16

“DONATION 125.”

Form 990EZ, Part I, Line 16

“Dues & subscriptions 150.”

Form 990EZ, Part I, Line 16

“INSURANCE 6355.”

Form 990EZ, Part I, Line 16

“INTEREST 3000.”

Form 990EZ, Part I, Line 16

“FUEL 894.”

Form 990EZ, Part I, Line 16

“Rodeo buckles and saddles 11065.”

Form 990EZ, Part I, Line 16

“STOCK CHARGES 13960.”

Form 990EZ, Part I, Line 16

“OFFICE EXPENSE 183.”

Form 990EZ, Part I, Line 16

“ADVERTISING 1050.”

Form 990EZ, Part I, Line 16

“JUDGES 1500.”

Form 990EZ, Part I, Line 16

“UTILITIES 16679.”

Form 990EZ, Part I, Line 16

“BAD DEBT 682.”

Form 990EZ, Part I, Line 16

“RETUNED CHECK FEES 170.”

Form 990EZ, Part II, Line 24

“A/r stall and arena rental 75. 70.”

Form 990EZ, Part II, Line 24

“ROUNDING”

Form 990EZ, Part II, Line 26

“Unsecured Notes & Loans Payable”

Form 990, Part IX, Line 24E

“DUES”

Form 990, Part IX, Line 24E

“CONTRACT LABOR”

Form 990, Part IX, Line 24E

“DIRT FOR ARENA”

Form 990, Part IX, Line 24E

“Pay out awards to contestants”

Form 990, Part IX, Line 24E

“BANK FEES”

Raw XML Appendix169 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/PersonNm0ANNE DOLLERY
IRS990EZ/BooksInCareOfDetail/PhoneNum09792721569
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 886
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0CALDWELL
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd077836
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt012031
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt010519
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt028150
IRS990EZ/CostOfGoodsSoldAmt08420
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt042358
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt06323
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0314699
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0352213
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt0-2119
IRS990EZ/GrossReceiptsAmt0144010
IRS990EZ/GrossSalesOfInventoryAmt06301
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LandAndBuildingsGrp/BOYAmt0302593
IRS990EZ/LandAndBuildingsGrp/EOYAmt0341624
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt0800
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0279567
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0321925
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0279567
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0321925
IRS990EZ/OccupancyRentUtltsAndMaintAmt07095
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt010.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt110.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt210.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt310.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt0NENA BOETTCHER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0SHAWN DOLLERY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1DENNIS ENGELMANN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2GAIL BROUSSARD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3ANNE DOLLERY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CO-PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1CO-PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4SECRETARY
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt075
IRS990EZ/OtherAssetsTotalDetail/EOYAmt070
IRS990EZ/OtherExpensesTotalAmt077792
IRS990EZ/OtherRevenueTotalAmt019167
IRS990EZ/PrimaryExemptPurposeTxt0TO PROVIDE RECREATION AND SUPPORT AREA YOUTHS.
IRS990EZ/PrintingPublicationsPostageAmt0467
IRS990EZ/ProgramServiceRevenueAmt089592
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0YOUTH RODEO: AN ACTIVITY HELD IN SPRING AND FALL TO PROVIDE RECREATION FOR AREA YOUTH, APPROXIMATELY 180 YOUNG PEOPLE PARTICIPATED THIS YEAR.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt053242
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt047187
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt01555
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt035132
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt030288
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt093232
IRS990EZ/TotalProgramServiceExpensesAmt047187
IRS990EZ/TotalRevenueAmt0135590
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RENTS 19155.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1INTEREST 12.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Depreciation 21949.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BANK FEES 30.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DONATION 125.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DUES & SUBSCRIPTIONS 150.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6INSURANCE 6355.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7INTEREST 3000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FUEL 894.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9RODEO BUCKLES AND SADDLES 11065.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10STOCK CHARGES 13960.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11OFFICE EXPENSE 183.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12ADVERTISING 1050.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13JUDGES 1500.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14UTILITIES 16679.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15BAD DEBT 682.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16RETUNED CHECK FEES 170.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17A/R STALL AND ARENA RENTAL 75. 70.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18ROUNDING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19Unsecured Notes & Loans Payable
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20DUES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21CONTRACT LABOR
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22DIRT FOR ARENA
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt23PAY OUT AWARDS TO CONTESTANTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt24BANK FEES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 8
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc18Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc19Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc20Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc21Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc22Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc23Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc24Form 990, Part IX, Line 24e
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ANNE DOLLERY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SECRETARY
ReturnHeader/BusinessOfficerGrp/PhoneNum09792721569
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-08-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BURLESON COUNTY SADDLE CLUB
ReturnHeader/Filer/BusinessNameControlTxt0BURL
ReturnHeader/Filer/EIN0742093641
ReturnHeader/Filer/PhoneNum09792721569
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 577
ReturnHeader/Filer/USAddress/CityNm0CALDWELL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077836
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KLUCK LAMB ROVINELLI LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03002 TEXAS AVENUE SOUTH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0COLLEGE STATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd077845
ReturnHeader/PreparerPersonGrp/PhoneNum09796932500
ReturnHeader/PreparerPersonGrp/PreparationDt02016-08-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GINNIE ROVINELLI
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02016-08-08T14:31:23-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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.

Open filing
Assets
$352,213
Liabilities
$30,288
Net assets
$321,925
Revenue
$135,590
Expenses
$93,232
Net income
$42,358
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Summary only. Only limited summary data is available for this year.$2.77$0.17$1.62$1.72$0.10
2018Detailed filing. Detailed filing data is available for this year.$2.87$0.17$2.70$1.28$1.65$0.37
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.29$0.22$3.07$1.40$1.39$0.01
2016Detailed filing. Detailed filing data is available for this year.$3.30$0.22$3.08$1.28$1.40$0.12
2015Detailed filing. Detailed filing data is available for this year.$3.52$0.30$3.22$1.36$0.93$0.42
2014Detailed filing. Detailed filing data is available for this year.$3.15$0.35$2.80$1.04$1.20$0.16
2013Summary only. Only limited summary data is available for this year.$3.33$0.37$1.03$1.12$0.09
2012Summary only. Only limited summary data is available for this year.$3.48$0.43$1.05$1.11$0.06
2011Summary only. Only limited summary data is available for this year.$3.36$0.44$0.94$0.96$0.02