Civic Intelligence

Blessing Ranch Inc.

990 • Fiscal year 2021 • EIN 84-1402266

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

2250 Permit PlaceNew Port Richey, FL 34655

(970) 495-0920

Siviq Scores

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

Liabilities / Assets

57th percentile

0.05x

Higher debt load relative to assets than 57% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Liabilities / Revenue

59th percentile

0.06x

Higher debt load relative to revenue than 59% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Net Margin

78th percentile

36%

Higher net margin than 78% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Top Officer Pay

89th percentile

$107,083

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 16.0% of source-year revenue.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Asset Growth

75th percentile

31%

Faster asset growth than 75% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2020 to 2021

Revenue Growth

84th percentile

87%

Faster revenue growth than 84% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2020 to 2021

Assets

Up

$863,702

Up $205,541 (+31%) from 2020

Net Assets

Up

$821,976

Up $253,693 (+45%) from 2020

Liabilities

Down

$41,726

Down $48,152 (-54%) from 2020

Revenue

Up

$671,281

Up $312,831 (+87%) from 2020

Expenses

Down

$427,951

Down $31,552 (-6.9%) from 2020

Net Income

Up

$243,330

Up $344,383 (+341%) from 2020

Historical Trend

Balance Sheet Trend

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

$1.5M$1.0M$500K$0Assets 2010: $595,636Liabilities 2010: $41,409Net Assets 2010: $554,2272010Assets 2011: $588,666Liabilities 2011: $65,786Net Assets 2011: $522,8802011Assets 2012: $571,850Liabilities 2012: $68,784Net Assets 2012: $503,0662012Assets 2013: $713,126Liabilities 2013: $82,484Net Assets 2013: $630,6422013Assets 2014: $755,579Liabilities 2014: $64,595Net Assets 2014: $690,9842014Assets 2015: $808,088Liabilities 2015: $73,362Net Assets 2015: $734,7262015Assets 2016: $738,771Liabilities 2016: $57,623Net Assets 2016: $681,1482016Assets 2017: $705,640Liabilities 2017: $77,547Net Assets 2017: $628,0932017Assets 2018: $683,898Liabilities 2018: $76,301Net Assets 2018: $607,5972018Assets 2019: $720,226Liabilities 2019: $50,961Net Assets 2019: $669,2652019Assets 2020: $658,161Liabilities 2020: $89,878Net Assets 2020: $568,2832020Assets 2021: $863,702Liabilities 2021: $41,726Net Assets 2021: $821,9762021Assets 2022: $1,276,973Liabilities 2022: $45,151Net Assets 2022: $1,231,8222022Assets 2023: $1,350,895Liabilities 2023: $73,323Net Assets 2023: $1,277,5722023Assets 2024: $1,338,127Liabilities 2024: $67,646Net Assets 2024: $1,270,4812024

Highlighted filing

2021

Assets$863,702
Liabilities$41,726
Net Assets$821,976

Operations Trend

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $435,4312010Expenses 2011: $423,2312011Expenses 2012: $530,8462012Revenue 2013: $814,994Expenses 2013: $687,418Net Income 2013: $127,5762013Revenue 2014: $730,706Expenses 2014: $670,364Net Income 2014: $60,3422014Revenue 2015: $669,178Expenses 2015: $625,434Net Income 2015: $43,7442015Revenue 2016: $656,953Expenses 2016: $710,531Net Income 2016: -$53,5782016Revenue 2017: $539,013Expenses 2017: $592,069Net Income 2017: -$53,0562017Revenue 2018: $410,808Expenses 2018: $431,304Net Income 2018: -$20,4962018Revenue 2019: $446,419Expenses 2019: $384,832Net Income 2019: $61,5872019Revenue 2020: $358,450Expenses 2020: $459,503Net Income 2020: -$101,0532020Revenue 2021: $671,281Expenses 2021: $427,951Net Income 2021: $243,3302021Revenue 2022: $1,017,556Expenses 2022: $607,710Net Income 2022: $409,8462022Revenue 2023: $610,400Expenses 2023: $565,535Net Income 2023: $44,8652023Revenue 2024: $575,747Expenses 2024: $585,563Net Income 2024: -$9,8162024

Highlighted filing

2021

Revenue$671,281
Expenses$427,951
Net Income$243,330
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Mar 26, 2022
Return Version
2021v4.1
Gross Receipts
$671,281
Mission and Program Overview

Mission

Blessing ranch exists to serve christian leaders by providing professional services resulting in renewal, restoration, pastoral excellence and biblical blessing.

To provide rest, relaxation, restoration, and renewal for all persons who are religious leaders

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$265,040$485,625▲ $220,585
Land, Buildings, and Equipment, Net$379,744$371,300▼ $8,444
Prepaid Expenses and Deferred Charges$2,424$3,385▲ $961
Accounts Receivable$9,488$1,873▼ $7,615
Total Assets$658,161$863,702▲ $205,541
Other Assets Total$1,465$1,519▲ $54
Liabilities
Deferred Revenue$42,250$33,350▼ $8,900
Accounts Payable and Accrued Expenses$3,606$4,237▲ $631
Unsecured Notes Loans Payable$44,022$4,139▼ $39,883
Total Liabilities$89,878$41,726▼ $48,152
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$568,283$821,976▲ $253,693
Total Net Assets Fund Balance$568,283$821,976▲ $253,693
Total Liabilities and Net Assets / Fund Balance$658,161$863,702▲ $205,541

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$375,746-$375,746
Land$61,494-$61,494
Equipment$34,076-$34,076
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Charity Byers PhDPsychologistFT$107,083$107,083
Jo Ellen PlantaniaEmployeePT$8,892$8,892

Board Members and Trustees

NameTitle
Lisa JerniganChairman
Gary CoxDirector
George RossDirector
JOHN WALKER PhDDirector
Jo Ellen PlantaniaDirector
Mike KilgallinDirector
Tim GoodmanDirector
Charity Byers PhDExecutive Director
John Walker Phd-
Deanna WalkerSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$288,529
Program Service Revenue
$375,522
Investment Income
$7,230
Other Revenue
$0
All Other Contributions
$288,529
Change in Net Assets
$243,330
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$298,482
Other Expenses$129,469
Total Fundraising Expense$37,383
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons$81,779$64,292$19,404$165,475
Current Officers, Directors, Trustees, and Key Employees$115,975$0$0$115,975
Payroll Taxes$11,582$4,428$1,022$17,032
Other Expenses$16,564$0$0$16,564
Depreciation Depletion$12,582$0$0$12,582
Advertising$0$0$10,780$10,780
Insurance$10,132$533$0$10,665
Conferences and Meetings$4,600$1,033$3,567$9,200
All Other Expenses$7,860$356$499$8,715
Occupancy$1,656$0$0$1,656
Fees for Services Legal$0$1,550$0$1,550
Office Expenses$913$609$0$1,522
Travel$723$0$0$723
Total Functional Expenses$315,361$75,207$37,383$427,951
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
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
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Blessing Ranch Inc
EIN
84-1402266
Phone
9704950920
Address
2250 Permit Place, New Port Richey, FL 34655

Signing Officer

Name
Charity Byers
Title
Ph.D., Executive Director
Phone
9704950920
Signed
2022-03-26
Discuss with paid preparer
Yes

Organization Details

Formed
1996
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
4
Employees
4
Volunteers
0

Preparer

Firm
The Davis Group Tax & Advisory Services PA
Address
4560 Via Royale 1, Fort Myers, FL 33919
Preparer
Jimmy C Roberts III
Phone
8003844225
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

No board review of the final Form 990 is conducted before it is filed. The Board of Directors reviews the annual financial statements and Form 990 at its semi-annual meeting.

Pt VI, Line 8B

Does not apply. No such committees exist.

Pt VI, Line 19

Governing documents and financial statements are available for review by the public upon request.

Pt VI, Line 2

Director/Counselor and Board Secretary/Treasurer are married to each other.

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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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IRS990/OtherExpensesGrp/ProgramServicesAmt316564
IRS990/OtherExpensesGrp/TotalAmt020793
IRS990/OtherExpensesGrp/TotalAmt16477
IRS990/OtherExpensesGrp/TotalAmt228242
IRS990/OtherExpensesGrp/TotalAmt316564
IRS990/PartialLiquidationInd0false
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IRS990/PayrollTaxesGrp/FundraisingAmt01022
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04428
IRS990/PayrollTaxesGrp/ProgramServicesAmt011582
IRS990/PayrollTaxesGrp/TotalAmt017032
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02424
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03385
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Charity Byers PhD
IRS990/PriorPeriodAdjustmentsAmt010363
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0624100
IRS990/ProgramServiceRevenueGrp/Desc0Counseling Fees
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0375522
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt091563
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt057
IRS990/PYOtherExpensesAmt0211941
IRS990/PYProgramServiceRevenueAmt0266830
IRS990/PYRevenuesLessExpensesAmt0-101053
IRS990/PYSalariesCompEmpBnftPaidAmt0247562
IRS990/PYTotalExpensesAmt0459503
IRS990/PYTotalRevenueAmt0358450
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0243330
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0375522
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearAmt031620
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus1YearAmt031215
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus2YearsAmt022924
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus3YearsAmt036852
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus4YearsAmt052226
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt0174837
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0288529
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt091563
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt084977
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0117196
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0190795
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0773060
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt030
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt057
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0114
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0283
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0421
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt0905
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0375522
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0266830
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0353828
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0293275
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0347798
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt01637253
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt030
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt057
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0114
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0283
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0421
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0905
IRS990ScheduleA/InvestmentIncomeCYPct00.00040
IRS990ScheduleA/InvestmentIncomePYPct00.00050
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportCY509Pct00.92710
IRS990ScheduleA/PublicSupportPY509Pct00.92650
IRS990ScheduleA/PublicSupportTotal509Amt02235476
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt031620
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt031215
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt022924
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt036852
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt052226
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt0174837
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0664051
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0358393
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0438805
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0410471
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0538593
IRS990ScheduleA/Total509Grp/TotalAmt02410313
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt02411218
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/BuildingsGrp/BookValueAmt0375746
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0375746
IRS990ScheduleD/EquipmentGrp/BookValueAmt034076
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt034076
IRS990ScheduleD/LandGrp/BookValueAmt061494
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt061494
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0471316
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOHN WALKER PHD

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.34$0.07$1.27$0.58$0.59$0.01
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.35$0.07$1.28$0.61$0.57$0.04
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.28$0.05$1.23$1.02$0.61$0.41
2021Detailed filing. Detailed filing data is available for this year.$0.86$0.04$0.82$0.67$0.43$0.24
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.66$0.09$0.57$0.36$0.46$0.10
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.72$0.05$0.67$0.45$0.38$0.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.68$0.08$0.61$0.41$0.43$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.71$0.08$0.63$0.54$0.59$0.05
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.74$0.06$0.68$0.66$0.71$0.05
2015Detailed filing. Detailed filing data is available for this year.$0.81$0.07$0.73$0.67$0.63$0.04
2014Detailed filing. Detailed filing data is available for this year.$0.76$0.06$0.69$0.73$0.67$0.06
2013Detailed filing. Detailed filing data is available for this year.$0.71$0.08$0.63$0.81$0.69$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.57$0.07$0.50$0.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.59$0.07$0.52$0.42
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.60$0.04$0.55$0.44