Holdings are itemized directly on this plan's Schedule of Assets, below.
| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UMR, INC. | 39-1995276 | — | NONE | $1.0M | — |
| WILSON-MCSHANE CORPORATION | 41-0956552 | — | NONE | $967K | — |
| DELTA DENTAL | 41-1905554 | — | NONE | $391K | — |
| UNITED ACTUARIAL SERVICES, INC. | 35-2156428 | — | NONE | $120K | — |
| UNION BANK AND TRUST | 41-1267434 | — | NONE | $90K | — |
| NATIONAL INVESTMENT SERVICES, LLC | 84-3937993 |
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| E.I.N. 41-0855601; PLAN NO. 501 DECEMBER 31, 2024 No of Fair Units Cash Equivalent Value Cost 9,579,639 Federated Govt Oblig Fund | — | — | $9.6M | $9.6M |
| — |
| NONE |
| $79K |
| — |
| BARLOW COUGHRAN MORALES & JOSEPHSON | 91-0889948 | — | NONE | $66K | — |
| ANDREW, BRANSKY, & POOLE, P.A. | 41-1502219 | — | NONE | $59K | — |
| VISION SERVICE PLAN | 06-1227840 | — | NONE | $54K | — |
| SWORD HEALTH | — | DRAPER, UT | NONE | $44K | — |
| MILLER KAPLAN ARASE LLP | 95-2036255 | — | NONE | $38K | — |
| MARQUETTE ASSOCIATES | 36-3485298 | — | NONE | $18K | — |
| ST CROIX PRESS | — | NEW RICHMOND, WI | NONE | $8K | — |
| 11.8% |
| 602,381 Eaton Vance Parametric Volatility risk pre | Mutual Funds | — | $9.3M | $7.3M | 8.9% |
| Partnerships 1 Crescent Capital High Income Fund, LP | — | — | $7.7M | $6.4M | 7.9% |
| NIS TOTAL ASOLUTE RETURN FUND LLC NATIONAL INVESTMENT SERVICES OF AMERICA, LLC · EIN 45-4478398 / PN 001 | Common Collective Trust | — | — | $4.6M | 5.7% |
| American Core Realty Fund, LP | — | — | $4.0M | $4.2M | 5.1% |
| US TREASURY NOTES TIPS 3.875% 12/31/27 3.88% | — | — | $4.1M | $4.1M | 5.0% |
| US TREASURY NOTES TIPS 4.625% 11/15/26 4.63% | — | — | $3.8M | $3.8M | 4.7% |
| 1,505 NIS Total Absolute Return Fund LLC | Common Collective Trusts | — | $4.6M | $3.7M | 4.5% |
| NIS Preferred Stock Fund II, LLC | — | — | $2.5M | $2.3M | 2.8% |
| US TREASURY NOTES TIPS 2.75% NTS 07/31/27 2.75% | — | — | $2.0M | $2.0M | 2.5% |
| US TREASURY NOTES TIPS 3.875% 01/15/26 3.88% | — | — | $1.7M | $1.7M | 2.1% |
| E.I.N. 41-0855601; PLAN NO. 501 DECEMBER 31, 2024 Face Maturity Interest Fair Value Government Debt Securities Date Rate (%) Value Cost $ US TREASURY NOTE 1.5% PIDI NTS 01/31/27 1.50% | — | — | $1.6M | $1.6M | 1.9% |
| US TREASURY NOTES TIPS 0.75% NTS 08/31/26 0.75% | — | — | $680K | $647K | 0.8% |
| NEW JERSEY ST TRANSN TR FD AUTH 06/15/25 5.09% | — | — | $251K | $250K | 0.3% |
| THE TORONTO-DOMINION BANK 07/17/26 5.53% | — | — | $232K | $230K | 0.3% |
| AERCAP IRELAND CAPITAL DAC 10/29/26 2.45% | — | — | $234K | $229K | 0.3% |
| UNITED AIRLINES ABS 09/03/26 3.75% | — | — | $203K | $203K | 0.2% |
| TAKE 2 INTERACTIVE SOFTWARE 03/28/26 5.00% | — | — | $175K | $175K | 0.2% |
| FIRSTHORIZONNATLCORP 05/26/25 4.00% | — | — | $179K | $172K | 0.2% |
| NATIONAL SECURITIES CLEARING COR 11/21/27 5.10% | — | — | $152K | $152K | 0.2% |
| AIR LEASE CORPORATION 08/15/26 1.88% | — | — | $153K | $146K | 0.2% |
| WELLS FARGO & CO FXD-FRN SNR 04/25/26 3.91% | — | — | $140K | $140K | 0.2% |
| ACCENTURE CAPITAL INC 10/04/27 3.90% | — | — | $138K | $140K | 0.2% |
| SEATTLE CHILDRENS HOSPITAL 10/01/27 1.21% | — | — | $136K | $137K | 0.2% |
| HEALTHCARE TR AMERICA 07/01/27 3.75% | — | — | $136K | $136K | 0.2% |
| WISCONSINPUBLICSERVICECORPORA 11/10/25 5.35% | — | — | $136K | $135K | 0.2% |
| ENBRIDGE INC NPV 11/15/26 5.90% | — | — | $138K | $135K | 0.2% |
| PENN ELECTRIC CO 03/30/26 5.15% | — | — | $135K | $135K | 0.2% |
| LOUISIANA TAXABLE BDS 2022A 02/01/29 3.62% | — | — | $125K | $125K | 0.2% |
| ROYAL BANK OF CANADA FXD-FRN SNR 07/23/27 5.07% | — | — | $126K | $125K | 0.2% |
| ENERGY TRANSFER OPERATING LP 12/01/26 6.05% | — | — | $128K | $125K | 0.2% |
| REALTY INCOME CORP 01/15/27 3.20% | — | — | $121K | $121K | 0.1% |
| BBCMS MORTGAGE TRUST CMO 11/18/52 2.99% | — | — | $126K | $120K | 0.1% |
| WORLDOMNIAUTOMOBILELEASESECU 09/15/26 5.07% | — | — | $120K | $119K | 0.1% |
| SANTANDER DRIVE AUTO RECEIVABLES 04/17/28 5.88% | — | — | $116K | $115K | 0.1% |
| DUKE ENERGY CORP 01/05/27 4.85% | — | — | $115K | $115K | 0.1% |
| HYUNDAI CAP AMER 01/08/27 5.25% | — | — | $116K | $115K | 0.1% |
| LAD AUTO RECEIVABLES TRUST 06/15/27 5.48% | — | — | $115K | $115K | 0.1% |
| CARVANA AUTO RECEIVABLES TRUST 2 05/10/30 5.63% | — | — | $111K | $111K | 0.1% |
| BRIDGECREST LENDING AUTO SECURIT 01/18/28 5.53% | — | — | $110K | $110K | 0.1% |
| FORD CREDIT AUTO OWNER TRUST 09/15/28 5.53% | — | — | $111K | $110K | 0.1% |
| BHP BILLITON FINL 09/08/26 5.25% | — | — | $111K | $110K | 0.1% |
| OREGON SCHOOL BRDS LMTD TAX 06/30/28 4.76% | — | — | $105K | $110K | 0.1% |
| BANK 2017 - BNK7 CMO 09/17/60 3.27% | — | — | $111K | $109K | 0.1% |
| US BANCORP FXD-FRN SNR 10/26/27 6.79% | — | — | $109K | $109K | 0.1% |
| AMERICREDIT AUTOMOBILE RECEIVABL 09/18/26 1.49% | — | — | $109K | $109K | 0.1% |
| MORGAN STANLEY BANK ML TRUST 10/19/48 3.25% | — | — | $99K | $107K | 0.1% |
| VIRGINIA POWER FUEL SECURITIZATI 05/01/27 5.09% | — | — | $107K | $106K | 0.1% |
| SANTANDER DRIVE AUTO RECEIVABLES 07/17/28 5.93% | — | — | $106K | $105K | 0.1% |
| GM FINANCIAL AUTOMOBILE LEASING 01/20/27 5.76% | — | — | $106K | $105K | 0.1% |
| WORLD OMNI SELECT AUTO TRUST 08/15/28 5.87% | — | — | $106K | $105K | 0.1% |
| WELLS FARGO COMMERCIAL MORTGAGE 09/17/58 3.57% | — | — | $108K | $105K | 0.1% |
| AMPHENOL CORP 03/30/26 4.75% | — | — | $105K | $105K | 0.1% |
| CREDIT SUISSE AG NEW YORK BRANCH 07/09/27 5.00% | — | — | $106K | $104K | 0.1% |
| GM FINANCIAL CONSUMER AUTOMOBILE 02/16/28 5.53% | — | — | $103K | $103K | 0.1% |
| AGCO CORP 03/21/27 5.45% | — | — | $101K | $100K | 0.1% |
| GENERAL MOTORS FINL CO INC 5 05/08/27 5.40% | — | — | $101K | $100K | 0.1% |
| EXETER AUTOMOBILE RECEIVABLES TR 06/15/27 1.55% | — | — | $100K | $97K | 0.1% |
| BANK AMERICA FDG CORP FIXED TO 03/11/27 1.66% | — | — | $101K | $95K | 0.1% |
| CARMAX AUTO OWNER TRUST 2024-2 01/16/29 5.64% | — | — | $97K | $95K | 0.1% |
| GLS AUTO RECEIVABLES ISSUER TRUS 01/16/29 Var. | — | — | $95K | $95K | 0.1% |
| PIONEER NATURAL RES CO 03/29/26 5.10% | — | — | $96K | $95K | 0.1% |
| WESTLAKE AUTOMOBILE RECEIVABLES 09/15/27 5.48% | — | — | $96K | $94K | 0.1% |
| MILL CITY MORTGAGE LOAN TRUST 04/25/57 3.35% | — | — | $93K | $93K | 0.1% |
| US AIRWAYS INC A- 05/15/27 3.95% | — | — | $93K | $92K | 0.1% |
| US BANK NATL ASSN FXD-FRN SNR 10/22/27 4.51% | — | — | $90K | $90K | 0.1% |
| BBCMS MORTGAGE TRUST CMO 08/16/52 2.83% | — | — | $94K | $90K | 0.1% |
| DRIVE AUTO RECEIVABLES TRUST 202 09/15/28 Var. | — | — | $90K | $90K | 0.1% |
| MERCEDES-BENZ AUTO 12/15/27 4.51% | — | — | $90K | $90K | 0.1% |
| LPL HOLDINGS INC. 11/15/27 4.63% | — | — | $93K | $88K | 0.1% |
| CAPITAL ONE MULTI-ASSET 05/17/27 3.49% | — | — | $90K | $88K | 0.1% |
| OLD REP INTL CORP 08/26/26 3.88% | — | — | $88K | $87K | 0.1% |
| EXETER AUTOMOBILE RECEIVABLES TR 12/15/28 4.92% | — | — | $86K | $85K | 0.1% |
| STATE STREET CORP FXD-FRN SNR 01/26/26 4.86% | — | — | $85K | $85K | 0.1% |
| 6297782 LLC 09/01/27 4.91% | — | — | $85K | $85K | 0.1% |
| WORLD OMNI AUTOMOBILE LEASE SECU 02/16/27 5.42% | — | — | $86K | $85K | 0.1% |
| GALLAGHER AJ CO 12/15/27 4.60% | — | — | $85K | $85K | 0.1% |
| BANK NEW YORK MELLON FXD-FRN SNR 07/24/26 4.41% | — | — | $85K | $85K | 0.1% |
| T-MOBILE US TR 05/22/28 4.91% | — | — | $84K | $84K | 0.1% |
| AMERICAN EXPRESS CR ACCOUNT 08/16/27 3.75% | — | — | $85K | $83K | 0.1% |
| CHESAPEAKE FUNDING II LLC ABS 05/15/36 5.52% | — | — | $84K | $83K | 0.1% |
| ROYAL BANK CANADA 01/27/26 4.65% | — | — | $80K | $80K | <0.1% |
| FORD CREDIT AUTO OWNER TRUST 08/15/29 4.61% | — | — | $80K | $80K | <0.1% |
| Royal Bank of Canada 01/19/27 4.88% | — | — | $80K | $80K | <0.1% |
| GLS AUTO RECEIVABLES ISSUER TRUS 07/17/28 Var. | — | — | $80K | $80K | <0.1% |
| GM FINANCIAL CONSUMER AUTOMOBILE 04/17/28 1.94% | — | — | $77K | $77K | <0.1% |
| OSCAR US FUNDING XIII LLC 09/11/28 1.27% | — | — | $80K | $75K | <0.1% |
| M&T BANK CORP FXD-FRN SNR 01/16/29 Var. | — | — | $75K | $75K | <0.1% |
| SANTANDER DRIVE AUTO RECEIVABLES 09/15/27 4.88% | — | — | $75K | $75K | <0.1% |
| AON NORTH AMERICA INC. 03/01/27 5.13% | — | — | $76K | $75K | <0.1% |
| SBNA AUTO LEASE TRUST 2024-C ABS 02/22/28 4.56% | — | — | $75K | $75K | <0.1% |
| BANK OF MONTREAL 12/11/26 5.27% | — | — | $76K | $75K | <0.1% |
| SMITH NEPHEW PLC 03/20/27 5.15% | — | — | $76K | $75K | <0.1% |
| JPMBB COML MORTGAGE SECS TRUST 08/17/48 3.80% | — | — | $77K | $74K | <0.1% |
| MFA 2021-INV2 TRUST CMO 11/25/51 1.91% | — | — | $64K | $73K | <0.1% |
| SKYMILES IP LIMITED DELTA AIR LI 10/20/28 4.75% | — | — | $74K | $72K | <0.1% |
| MORGAN STANLEY FIX TO FLOAT 05/04/27 1.59% | — | — | $77K | $72K | <0.1% |
| WORLD OMNI AUTO RECEIVABLES TRUS 05/15/29 5.03% | — | — | $70K | $70K | <0.1% |
| COMM MORTGAGE TR CMO 07/10/50 3.90% | — | — | $63K | $70K | <0.1% |
| UDR INC BBB+ 09/01/26 2.95% | — | — | $73K | $70K | <0.1% |
| AMERICAN EXPRESS CO FXD-FRN SNR 10/30/26 6.34% | — | — | $71K | $70K | <0.1% |
| SBNA AUTO LEASE TRUST 2024-A ABS 11/20/26 5.39% | — | — | $70K | $70K | <0.1% |
| ENTERPRISE FLEET FINANCING 2024- 12/20/26 5.74% | — | — | $71K | $70K | <0.1% |
| EXETER AUTOMOBILE RECEIVABLES TR 07/17/28 3.85% | — | — | $70K | $70K | <0.1% |
| GOLDMAN SACHS GROUP NTS USD 02/24/28 2.64% | — | — | $72K | $70K | <0.1% |
| BOARDWALK PIPELINES LP CO 07/15/27 4.45% | — | — | $69K | $67K | <0.1% |
| BANK OF NOVA SCOTIA 12/07/26 5.35% | — | — | $66K | $65K | <0.1% |
| AMERICAN HOMES 4 RENT L P 02/15/28 4.25% | — | — | $63K | $64K | <0.1% |
| SCHWAB CHARLES CORP 02/13/26 3.45% | — | — | $64K | $61K | <0.1% |
| WORLD OMNI AUTO RECEIVABLES TRUS 07/15/27 3.25% | — | — | $61K | $61K | <0.1% |
| CWABS INC ABS FLT RATE 10/25/34 0.59% | — | — | $58K | $60K | <0.1% |
| BANK AMERICA FDG CORP FXD-FRN 04/02/26 3.38% | — | — | $60K | $60K | <0.1% |
| AMERICREDIT AUTOMOBILE 01/19/27 1.01% | — | — | $59K | $60K | <0.1% |
| FLAGSHIP CREDIT AUTO TRUST 202 02/16/27 1.49% | — | — | $57K | $57K | <0.1% |
| WISCONSIN ST GEN FD AA 05/01/26 5.70% | — | — | $56K | $56K | <0.1% |
| WESTLAKE AUTOMOBILE RECEIVABLES 12/15/26 1.23% | — | — | $58K | $55K | <0.1% |
| KEYCORP FXD-FRN SNR 05/23/25 3.88% | — | — | $55K | $55K | <0.1% |
| TRUIST FINANCIAL CORPORATION 06/08/27 6.05% | — | — | $56K | $55K | <0.1% |
| JPMORGAN CHASE SR GLBL NT 11/19/26 1.05% | — | — | $58K | $53K | <0.1% |
| FOURSIGHT CAPITAL AUTOMOBILE REC 05/15/28 5.99% | — | — | $53K | $53K | <0.1% |
| MFRS & TRADERS TR CO BK 01/27/26 4.65% | — | — | $55K | $52K | <0.1% |
| AT&T INC 07/15/26 2.95% | — | — | $56K | $51K | <0.1% |
| DALLAS TEX INDPT SCH DIST ULT 02/15/35 6.45% | — | — | $51K | $50K | <0.1% |
| EXETER AUTOMOBILE RECEIVABLES TR 08/15/30 5.48% | — | — | $50K | $50K | <0.1% |
| AMERICREDIT AUTOMOBILE RECEIVABL 04/19/27 6.46% | — | — | $47K | $47K | <0.1% |
| BANK 2017-BNK9 CMO 11/15/54 3.47% | — | — | $41K | $44K | <0.1% |
| Corporate Debt Securities $ AIR CANADA PASS THROUGH CERTIFIC 09/15/28 3.60% | — | — | $45K | $44K | <0.1% |
| COMMONBOND STUDENT LOAN TRUST 09/25/42 2.68% | — | — | $41K | $43K | <0.1% |
| BANK 2018-BNK15 CMO 11/17/61 4.29% | — | — | $44K | $43K | <0.1% |
| TOYOTA AUTO RECEIVABLES 2022-B O 09/15/26 2.90% | — | — | $42K | $42K | <0.1% |
| SANTANDER DRIVE AUTO RECEIVABLES 09/15/27 1.33% | — | — | $43K | $42K | <0.1% |
| ALLY AUTO RECEIVABLES TRUST 2022 11/16/26 3.31% | — | — | $40K | $41K | <0.1% |
| WELLS FARGO & CO FXD-FRN SNR 04/22/28 5.71% | — | — | $41K | $40K | <0.1% |
| CARVANA AUTO RECIEVABLES TRUST 01/10/27 0.80% | — | — | $39K | $39K | <0.1% |
| COMMONWEALTH PA REV BDS 2006-C 06/01/26 5.20% | — | — | $35K | $36K | <0.1% |
| BENCHMARK MORTGAGE TRUST 02/17/51 3.78% | — | — | $31K | $35K | <0.1% |
| TESLA AUTO LEASE TRUST 2023-A 06/22/26 5.89% | — | — | $35K | $35K | <0.1% |
| NEW RESIDENTIAL MTGE LOAN TST FR 02/25/58 4.50% | — | — | $31K | $34K | <0.1% |
| CWABS INC FR A/BKD 25/10/34 10/25/34 0.59% | — | — | $32K | $33K | <0.1% |
| JOHN DEERE OWNER TRUST 2022 ABS 09/15/26 2.32% | — | — | $32K | $32K | <0.1% |
| OKLAHOMA TRANSN AUTH OK F/K/A OK N/A Var. | — | — | $30K | $30K | <0.1% |
| CITICORP RES MTG T FR A/BKD 03/25/37 5.10% | — | — | $28K | $29K | <0.1% |
| DRIVE AUTO RECEIVABLES TRUST ABS 01/16/29 1.45% | — | — | $29K | $28K | <0.1% |
| NAVIENT PRIVATE EDUCATION LOAN T 12/15/59 4.00% | — | — | $29K | $28K | <0.1% |
| AMERICAN CREDIT ACCEPTANCE RECEI 02/14/28 1.82% | — | — | $28K | $28K | <0.1% |
| CARVANA AUTO RECEIVABLES TRUST 03/10/28 0.75% | — | — | $27K | $27K | <0.1% |
| ABAY LEASING LLC 11/09/26 2.65% | — | — | $24K | $26K | <0.1% |
| AMERICAN HOME MTG CMO FLT RATE 02/25/45 6.00% | — | — | $26K | $25K | <0.1% |
| CREDIT SUISSE FIRST BOSTON FR 03/25/33 1.59% | — | — | $22K | $23K | <0.1% |
| HNA 06/30/27 2.29% | — | — | $23K | $23K | <0.1% |
| NATIONSTAR MORTGAGE LOAN TRUST 12/25/52 3.75% | — | — | $19K | $21K | <0.1% |
| WORLD OMNI SELECT AUTO TRUST 202 03/15/27 5.18% | — | — | $19K | $19K | <0.1% |
| NELNET STUDENT 7-1 FRN ABS 08/25/36 0.61% | — | — | $19K | $19K | <0.1% |
| MORGAN STANLEY CAP I TST 2018-H3 07/17/51 4.12% | — | — | $17K | $19K | <0.1% |
| LAD AUTO RECEIVABLES TRUST 06/15/27 5.93% | — | — | $19K | $19K | <0.1% |
| CITIGROUP COMMERCIAL MORTGAGE TR 08/12/49 2.71% | — | — | $17K | $18K | <0.1% |
| PENAIR 04/29/25 1.69% | — | — | $18K | $18K | <0.1% |
| CARVANA AUTO RECEIVABLES TRUST 10/08/26 0.61% | — | — | $18K | $17K | <0.1% |
| AMUR EQUIPMENT FINANCE RECEIVABL 10/20/27 1.64% | — | — | $17K | $16K | <0.1% |
| STRUCTURED ADJ RATE MTG CMO FLT 10/25/34 2.47% | — | — | $15K | $16K | <0.1% |
| SMB PRIVATE EDUCATION LOAN TRUST 01/15/37 3.60% | — | — | $15K | $16K | <0.1% |
| BAYVIEW FINL SECURITIES CO FR 02/28/41 6.56% | — | — | $16K | $16K | <0.1% |
| SMB PRIVATE EDUCATION LOAN TRUST 10/15/35 2.82% | — | — | $13K | $14K | <0.1% |
| NISSAN AUTO LEASE 01/15/26 5.52% | — | — | $14K | $14K | <0.1% |
| JPMCC COMML MTG CMO 08/17/49 2.71% | — | — | $13K | $14K | <0.1% |
| ADJUSTABLE MTG TR FR CMO 04/25/35 2.72% | — | — | $13K | $13K | <0.1% |
| NAVIENT 3.91% BDS 12/15/45 3.91% | — | — | $12K | $13K | <0.1% |
| RELIANCE INDUSTRIES LTD ABS 01/15/26 2.06% | — | — | $13K | $13K | <0.1% |
| RELIANCE INDUSTRIES LTD ABS 01/15/26 1.87% | — | — | $12K | $12K | <0.1% |
| BELVOIR LD LLC CMO 12/15/25 5.35% | — | — | $10K | $11K | <0.1% |
| CWMBS INC CMO FLT RATE 12/25/33 2.68% | — | — | $10K | $11K | <0.1% |
| THORNBURG MTG TR FR CMO 03/25/44 1.31% | — | — | $9K | $9K | <0.1% |
| BEAR STEARNS CMO FLT RATE 10/25/33 5.25% | — | — | $9K | $9K | <0.1% |
| ACCESS FUNDING FLT RATE CMO 02/25/36 0.59% | — | — | $8K | $8K | <0.1% |
| SASCO 02/25/35 1.59% | — | — | $8K | $8K | <0.1% |
| COMM 2015-CCRE25 MORTGAGE TRUST 08/12/48 3.54% | — | — | $7K | $7K | <0.1% |
| NOVASTAR MORTGAGE FUNDING TRUST 06/25/35 1.17% | — | — | $7K | $7K | <0.1% |
| GS MTG SEC CMO 06/25/35 5.50% | — | — | $5K | $5K | <0.1% |
| OHANA MILITARY CMNTYS LLC 01/10/26 5.68% | — | — | $5K | $5K | <0.1% |
| AMERICAN HOME MTG FR CMO 06/25/45 2.15% | — | — | $5K | $5K | <0.1% |
| UTAH STATE AAA 07/01/25 3.54% | — | — | $4K | $4K | <0.1% |
| GS MTG SECS CORP 2005-FFA FR CMO 09/25/35 2.75% | — | — | $3K | $3K | <0.1% |
| RESIDENTIAL FDG CMO 12/25/34 5.19% | — | — | $3K | $3K | <0.1% |
| EXPORT-IMPORT BANK OF THE UNITED 05/03/25 1.82% | — | — | $2K | $2K | <0.1% |
| COMM 2015-LC21 MORTGAGE TRUST 07/10/48 3.42% | — | — | $1K | $2K | <0.1% |