Civic Intelligence

Golden Key Ministry of San Diego County Calif

990EZ • Fiscal year 2019 • EIN 86-0334913

Oct 01, 2018 to Sep 30, 2019 • Filed on Oct 24, 2019

Organization ProfileN/A
P O Box 30989Phoenix, AZ 85046

(480) 282-8533

Siviq Scores

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

Liabilities / Assets

70th percentile

0.03x

Higher debt load relative to assets than 70% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Liabilities / Revenue

79th percentile

0.06x

Higher debt load relative to revenue than 79% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Net Margin

80th percentile

26%

Higher net margin than 80% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Asset Growth

38th percentile

-3.2%

Faster asset growth than 38% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Revenue Growth

39th percentile

-6.4%

Faster revenue growth than 39% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets70th percentile

Assets

Down

$138,656

Down $4,565 (-3.2%) from 2018

Net Assets

Up

$134,624

Up $16,556 (+14%) from 2018

Liabilities

Down

$4,032

Down $21,121 (-84%) from 2018

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin80th percentile

Revenue

Down

$64,845

Down $4,446 (-6.4%) from 2018

Expenses

Down

$48,289

Down $9,677 (-17%) from 2018

Net Income

Up

$16,556

Up $5,231 (+46%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

$200K$150K$100K$50K$0Assets 2011: $49,012Liabilities 2011: $15,9662011Assets 2012: $52,840Liabilities 2012: $13,482Net Assets 2012: $39,3582012Assets 2013: $51,964Liabilities 2013: $900Net Assets 2013: $51,0642013Assets 2014: $72,619Liabilities 2014: $5,865Net Assets 2014: $66,7542014Assets 2015: $91,873Liabilities 2015: $9,341Net Assets 2015: $82,5322015Assets 2016: $108,625Liabilities 2016: $14,405Net Assets 2016: $94,2202016Assets 2017: $128,378Liabilities 2017: $21,635Net Assets 2017: $106,7432017Assets 2018: $143,221Liabilities 2018: $25,153Net Assets 2018: $118,0682018Assets 2019: $138,656Liabilities 2019: $4,032Net Assets 2019: $134,6242019Assets 2020: $145,562Liabilities 2020: $4,032Net Assets 2020: $141,5302020Assets 2022: $156,903Liabilities 2022: $0Net Assets 2022: $156,9032022Assets 2023: $169,598Liabilities 2023: $0Net Assets 2023: $169,5982023Assets 2024: $176,415Net Assets 2024: $176,4152024

Highlighted filing

2019

Assets$138,656
Liabilities$4,032
Net Assets$134,624
Open 2019 Filing

Operations Trend

Revenue Growth39th percentile

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

$80K$60K$40K$20K$0Revenue 2011: $59,656Expenses 2011: $54,306Net Income 2011: $5,3502011Revenue 2012: $63,240Expenses 2012: $56,928Net Income 2012: $6,3122012Revenue 2013: $59,334Expenses 2013: $47,628Net Income 2013: $11,7062013Revenue 2014: $68,781Expenses 2014: $53,091Net Income 2014: $15,6902014Revenue 2015: $74,852Expenses 2015: $59,074Net Income 2015: $15,7782015Revenue 2016: $70,652Expenses 2016: $58,964Net Income 2016: $11,6882016Revenue 2017: $74,361Expenses 2017: $61,838Net Income 2017: $12,5232017Revenue 2018: $69,291Expenses 2018: $57,966Net Income 2018: $11,3252018Revenue 2019: $64,845Expenses 2019: $48,289Net Income 2019: $16,5562019Revenue 2020: $49,800Expenses 2020: $42,894Net Income 2020: $6,9062020Revenue 2022: $55,342Expenses 2022: $40,481Net Income 2022: $14,8612022Revenue 2023: $48,749Expenses 2023: $36,054Net Income 2023: $12,6952023Revenue 2024: $33,601Expenses 2024: $26,784Net Income 2024: $6,8172024

Highlighted filing

2019

Revenue$64,845
Expenses$48,289
Net Income$16,556
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2018 to Sep 30, 2019
Signed
Oct 24, 2019
Return Version
2018v3.1
Gross Receipts
$64,845
Mission and Program Overview

Mission

Prayer, ministry, newsletter, counseling

Program Services

DescriptionGrantsExpenses
PRAYER, MINISTRY, NEWSLETTER, PERSONAL COUNSELING, CORRESPONDENCE COUNSELLING$0$64,845
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JOHN ADAMSPresidentFT$0--
Filing and Contact Details

Filer

Filer Name
Golden Key Ministry
EIN
86-0334913
Phone
4802828533
Address
P O BOX 30989, PHOENIX, AZ 85046

Signing Officer

Name
John Adams
Title
President
Phone
4802828533
Signed
2019-10-24
Discuss with paid preparer
Yes

Preparer

Firm
SRI Tax Services LLC
Address
7517 S McClintock Dr Ste 102, Tempe, AZ 85283
Preparer
Payal Harlalka
Phone
4802828533
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“Depreciation 176.”

Form 990EZ, Part I, Line 16

“ADVERTISING 300.”

Form 990EZ, Part I, Line 16

“BANK CHARGES 245.”

Form 990EZ, Part I, Line 16

“Dues & subscription 1061.”

Form 990EZ, Part I, Line 16

“DONATIONS 620.”

Form 990EZ, Part I, Line 16

“License & subscription 20.”

Form 990EZ, Part I, Line 16

“Meals & entertainment 145.”

Form 990EZ, Part I, Line 16

“OUTSIDE SERVICES 2606.”

Form 990EZ, Part I, Line 16

“BOOKS ETC 1479.”

Form 990EZ, Part I, Line 16

“SUPPLIES 506.”

Form 990EZ, Part I, Line 16

“TELEPHONE 2993.”

Form 990EZ, Part I, Line 16

“VEHICLE 125.”

Form 990EZ, Part I, Line 16

“ACCOUNTING 605.”

Form 990EZ, Part I, Line 16

“INSURANCE 3775.”

Form 990EZ, Part II, Line 24

“Other asset 143221. 137266.”

Form 990EZ, Part II, Line 26

“Wells fargo llc 25153. 4032.”

Raw XML Appendix173 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/BusinessName/BusinessNameLine1Txt0SRI TAX SERVICE
IRS990EZ/BooksInCareOfDetail/PhoneNum04805458525
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt07517 S MCCLINTOCK RD STE 102
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0TEMPE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0AZ
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd085283
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt01390
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt064845
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt016556
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0143221
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0138656
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt064845
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LoansToFromOfficersAmt0133543
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0true
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0118068
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0134624
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0118068
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0134624
IRS990EZ/OccupancyRentUtltsAndMaintAmt019093
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JOHN ADAMS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0143221
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0137266
IRS990EZ/OtherExpensesTotalAmt014656
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0PRAYER, MINISTRY, NEWSLETTER, COUNSELING
IRS990EZ/PrintingPublicationsPostageAmt03167
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PRAYER, MINISTRY, NEWSLETTER, PERSONAL COUNSELING, CORRESPONDENCE COUNSELLING
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt064845
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt011373
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt025153
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt04032
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt048289
IRS990EZ/TotalProgramServiceExpensesAmt064845
IRS990EZ/TotalRevenueAmt064845
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt064845
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt064845
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt00
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt064845
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt064845
IRS990ScheduleA/Total509Grp/TotalAmt064845
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt064845
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0133543
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0141942
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JOHN ADAMS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0133543
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Depreciation 176.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ADVERTISING 300.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BANK CHARGES 245.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DUES & SUBSCRIPTION 1061.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DONATIONS 620.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5LICENSE & SUBSCRIPTION 20.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MEALS & ENTERTAINMENT 145.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OUTSIDE SERVICES 2606.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BOOKS ETC 1479.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9SUPPLIES 506.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10TELEPHONE 2993.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11VEHICLE 125.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12ACCOUNTING 605.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13INSURANCE 3775.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14OTHER ASSET 143221. 137266.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15WELLS FARGO LLC 25153. 4032.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 16
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
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 II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990EZ, Part II, Line 26
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN ADAMS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04802828533
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-10-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GOLDEN KEY MINISTRY
ReturnHeader/Filer/BusinessNameControlTxt0GOLD
ReturnHeader/Filer/EIN0860334913
ReturnHeader/Filer/PhoneNum04802828533
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 30989
ReturnHeader/Filer/USAddress/CityNm0PHOENIX
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AZ
ReturnHeader/Filer/USAddress/ZIPCd085046
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0AEE9E82C21B2BD33266D477047C2B1F1496986E7
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId03E46C9A4B20A64277149909AB9C9E72E8C139F4B
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt072.211.20.158
ReturnHeader/FilingSecurityInformation/IPDt02020-01-27
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PS
ReturnHeader/FilingSecurityInformation/IPTm015:47:27
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SRI Tax Services LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07517 S McClintock Dr Ste 102
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Tempe
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AZ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd085283
ReturnHeader/PreparerPersonGrp/PhoneNum04802828533
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PAYAL HARLALKA
ReturnHeader/ReturnTs02020-01-27T15:47:35-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02018-10-01
ReturnHeader/TaxPeriodEndDt02019-09-30
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$138,656
Liabilities
$4,032
Net assets
$134,624
Revenue
$64,845
Expenses
$48,289
Net income
$16,556
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.76$1.76$0.34$0.27$0.07
2023Detailed filing. Detailed filing data is available for this year.$1.70$0.00$1.70$0.49$0.36$0.13
2022Detailed filing. Detailed filing data is available for this year.$1.57$0.00$1.57$0.55$0.40$0.15
2020Detailed filing. Detailed filing data is available for this year.$1.46$0.04$1.42$0.50$0.43$0.07
2019Detailed filing. Detailed filing data is available for this year.$1.39$0.04$1.35$0.65$0.48$0.17
2018Detailed filing. Detailed filing data is available for this year.$1.43$0.25$1.18$0.69$0.58$0.11
2017Detailed filing. Detailed filing data is available for this year.$1.28$0.22$1.07$0.74$0.62$0.13
2016Detailed filing. Detailed filing data is available for this year.$1.09$0.14$0.94$0.71$0.59$0.12
2015Detailed filing. Detailed filing data is available for this year.$0.92$0.09$0.83$0.75$0.59$0.16
2014Detailed filing. Detailed filing data is available for this year.$0.73$0.06$0.67$0.69$0.53$0.16
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.52$0.01$0.51$0.59$0.48$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.53$0.13$0.39$0.63$0.57$0.06
2011Summary only. Only limited summary data is available for this year.$0.49$0.16$0.60$0.54$0.05