ESGV vs. RECS ETF Comparison

Comparison of Vanguard ESG U.S. Stock ETF (ESGV) to Columbia Research Enhanced Core ETF (RECS)

ESGV

Vanguard ESG U.S. Stock ETF

ESGV Description

The investment seeks to track the performance of the FTSE US All Cap Choice Index. The adviser attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index. The index, which is market-capitalization weighted, is composed of large-, mid-, and small-cap stocks of companies located in the United States and is screened for certain environmental, social, and corporate governance (ESG) criteria by the index sponsor, which is independent of Vanguard.

Grade (RS Rating)

Last Trade

$101.23

Average Daily Volume

174,198

Number of Holdings ^*

491

* may have additional holdings in another (foreign) market

RECS

Columbia Research Enhanced Core ETF

RECS Description

The investment seeks investment results that, before fees and expenses, closely correspond to the performance of the Beta Advantage® Research Enhanced U.S. Equity Index. The fund invests at least 80% of its assets in the securities of the index. The index is comprised of a subset of the companies within the Russell 1000® Index. The index was designed to reflect the performance of U.S. large- and mid-cap growth and value companies through the application of a rules-based methodology, which typically results in approximately 325-400 Index holdings, but this range can fluctuate because the index has no constraints on number of holdings.

Grade (RS Rating)

Last Trade

$33.75

Average Daily Volume

265,845

Number of Holdings ^*

357

* may have additional holdings in another (foreign) market

Performance

Period	ESGV	RECS
30 Days	2.78%	1.69%
60 Days	4.96%	4.26%
90 Days	5.08%	4.59%
12 Months	36.07%	35.32%

188 Overlapping Holdings

Symbol	Grade	Weight in ESGV	Weight in RECS	Overlap
AAPL	C	6.97%	8.51%	6.97%
ABBV	B	0.69%	0.65%	0.65%
ADBE	F	0.57%	0.57%	0.57%
ADM	D	0.07%	0.14%	0.07%
ADP	C	0.22%	0.5%	0.22%
AIZ	B	0.02%	0.06%	0.02%
ALL	C	0.1%	0.28%	0.1%
ALNY	C	0.07%	0.06%	0.06%
AMGN	D	0.38%	0.33%	0.33%
AMH	D	0.03%	0.07%	0.03%
AMT	C	0.21%	0.59%	0.21%
AMZN	C	4.08%	4.79%	4.08%
ANET	C	0.21%	0.26%	0.21%
AOS	B	0.02%	0.05%	0.02%
APG	F	0.02%	0.03%	0.02%
APP	C	0.05%	0.08%	0.05%
ARE	C	0.05%	0.11%	0.05%
ARMK	B	0.02%	0.04%	0.02%
AVTR	C	0.03%	0.11%	0.03%
BAC	D	0.61%	1.5%	0.61%
BAX	C	0.04%	0.13%	0.04%
BDX	D	0.15%	0.46%	0.15%
BG	F	0.03%	0.07%	0.03%
BIIB	F	0.08%	0.05%	0.05%
BK	B	0.1%	0.29%	0.1%
BKNG	B	0.31%	0.53%	0.31%
BLD	C	0.03%	0.05%	0.03%
BLDR	C	0.04%	0.1%	0.04%
BLK	B	0.26%	0.76%	0.26%
BMRN	F	0.04%	0.03%	0.03%
BMY	C	0.19%	0.66%	0.19%
BR	C	0.05%	0.11%	0.05%
BURL	C	0.03%	0.06%	0.03%
C	C	0.28%	0.66%	0.28%
CAG	B	0.03%	0.08%	0.03%
CAH	C	0.05%	0.18%	0.05%
CAT	B	0.37%	0.86%	0.37%
CBOE	C	0.04%	0.12%	0.04%
CCL	C	0.04%	0.07%	0.04%
CF	B	0.03%	0.12%	0.03%
CI	C	0.21%	0.64%	0.21%
CL	C	0.18%	0.43%	0.18%
CME	B	0.16%	0.44%	0.16%
CNC	D	0.08%	0.26%	0.08%
CRM	C	0.55%	0.65%	0.55%
CROX	C	0.02%	0.03%	0.02%
CRWD	D	0.19%	0.16%	0.16%
CSCO	B	0.44%	0.54%	0.44%
CSGP	D	0.07%	0.16%	0.07%
CSL	B	0.04%	0.09%	0.04%
CSX	C	0.15%	0.3%	0.15%
CTAS	C	0.14%	0.32%	0.14%
CVNA	B	0.03%	0.07%	0.03%
DCI	C	0.02%	0.04%	0.02%
DDOG	D	0.09%	0.09%	0.09%
DECK	C	0.06%	0.09%	0.06%
DIS	D	0.41%	0.42%	0.41%
DOCU	C	0.02%	0.03%	0.02%
EA	D	0.08%	0.09%	0.08%
EG	B	0.04%	0.09%	0.04%
EQH	C	0.03%	0.08%	0.03%
EQIX	B	0.16%	0.45%	0.16%
EWBC	C	0.02%	0.06%	0.02%
EXC	B	0.08%	0.31%	0.08%
EXPD	B	0.04%	0.08%	0.04%
EXPE	C	0.04%	0.07%	0.04%
FCNCA	D	0.05%	0.13%	0.05%
FDX	D	0.15%	0.27%	0.15%
FFIV	B	0.02%	0.03%	0.02%
FHN	D	0.02%	0.05%	0.02%
FITB	B	0.06%	0.16%	0.06%
FIX	B	0.02%	0.06%	0.02%
FOXA	B	0.02%	0.02%	0.02%
FTNT	B	0.09%	0.12%	0.09%
GILD	B	0.19%	0.19%	0.19%
GIS	B	0.08%	0.21%	0.08%
GOOG	D	2.15%	1.9%	1.9%
GOOGL	D	2.34%	2.24%	2.24%
GPN	D	0.06%	0.14%	0.06%
HCA	B	0.14%	0.51%	0.14%
HLT	B	0.12%	0.21%	0.12%
HOLX	D	0.04%	0.12%	0.04%
HPE	C	0.06%	0.07%	0.06%
HPQ	C	0.08%	0.09%	0.08%
HST	D	0.03%	0.07%	0.03%
INCY	C	0.03%	0.02%	0.02%
INTU	D	0.41%	0.43%	0.41%
INVH	D	0.05%	0.12%	0.05%
JLL	B	0.02%	0.07%	0.02%
JNPR	A	0.03%	0.03%	0.03%
JPM	D	1.32%	3.35%	1.32%
K	A	0.03%	0.11%	0.03%
KHC	C	0.07%	0.16%	0.07%
KMB	C	0.11%	0.25%	0.11%
KR	B	0.08%	0.19%	0.08%
L	D	0.03%	0.08%	0.03%
LEN	B	0.08%	0.16%	0.08%
LEN	B	0.08%	0.01%	0.01%
LRCX	D	0.32%	0.29%	0.29%
LULU	D	0.08%	0.12%	0.08%
LYB	D	0.06%	0.2%	0.06%
MANH	B	0.03%	0.04%	0.03%
MAS	B	0.03%	0.08%	0.03%
MCK	F	0.17%	0.41%	0.17%
MDT	B	0.24%	0.75%	0.24%
MEDP	F	0.02%	0.05%	0.02%
MET	B	0.1%	0.26%	0.1%
META	B	2.51%	3.02%	2.51%
MMC	C	0.24%	0.61%	0.24%
MOS	F	0.02%	0.07%	0.02%
MPWR	B	0.09%	0.11%	0.09%
MRNA	F	0.09%	0.04%	0.04%
MSFT	C	7.56%	8.09%	7.56%
MSI	B	0.14%	0.19%	0.14%
MTD	C	0.07%	0.21%	0.07%
NBIX	F	0.03%	0.02%	0.02%
NOW	C	0.37%	0.45%	0.37%
NTAP	D	0.06%	0.07%	0.06%
NTNX	D	0.03%	0.04%	0.03%
NTRA	C	0.03%	0.03%	0.03%
NUE	D	0.09%	0.29%	0.09%
NVDA	C	6.68%	7.64%	6.68%
NVR	B	0.05%	0.1%	0.05%
NWSA	D	0.03%	0.02%	0.02%
OC	C	0.03%	0.07%	0.03%
OTIS	B	0.09%	0.19%	0.09%
PANW	D	0.24%	0.26%	0.24%
PAYX	C	0.09%	0.19%	0.09%
PCAR	D	0.12%	0.23%	0.12%
PG	C	0.89%	2.09%	0.89%
PHM	B	0.05%	0.11%	0.05%
PINS	D	0.06%	0.05%	0.05%
PKG	B	0.04%	0.15%	0.04%
PLTR	C	0.12%	0.2%	0.12%
PRU	C	0.1%	0.24%	0.1%
PSTG	F	0.04%	0.04%	0.04%
PYPL	B	0.14%	0.45%	0.14%
QCOM	D	0.51%	0.5%	0.5%
QRVO	F	0.03%	0.03%	0.03%
RCL	B	0.09%	0.16%	0.09%
REGN	D	0.25%	0.21%	0.21%
RGA	C	0.03%	0.08%	0.03%
RJF	C	0.05%	0.13%	0.05%
ROST	C	0.11%	0.18%	0.11%
RPM	B	0.03%	0.12%	0.03%
RPRX	C	0.02%	0.07%	0.02%
RS	D	0.04%	0.13%	0.04%
SBAC	C	0.05%	0.13%	0.05%
SKX	C	0.02%	0.03%	0.02%
SNA	B	0.03%	0.07%	0.03%
SNX	C	0.02%	0.02%	0.02%
SPG	B	0.11%	0.29%	0.11%
SPOT	C	0.1%	0.13%	0.1%
SRPT	F	0.03%	0.02%	0.02%
SSNC	C	0.03%	0.07%	0.03%
STLD	C	0.04%	0.15%	0.04%
STT	B	0.05%	0.15%	0.05%
SWK	B	0.03%	0.07%	0.03%
SWKS	F	0.04%	0.04%	0.04%
SYF	C	0.04%	0.11%	0.04%
T	B	0.31%	0.37%	0.31%
TEAM	D	0.06%	0.06%	0.06%
TGT	C	0.16%	0.36%	0.16%
THC	C	0.03%	0.1%	0.03%
TJX	C	0.28%	0.49%	0.28%
TMO	B	0.48%	1.55%	0.48%
TOL	A	0.03%	0.06%	0.03%
TPR	A	0.02%	0.04%	0.02%
TROW	C	0.06%	0.13%	0.06%
TT	B	0.17%	0.39%	0.17%
TTD	B	0.1%	0.11%	0.1%
UBER	C	0.33%	0.69%	0.33%
UNM	B	0.02%	0.06%	0.02%
UNP	D	0.31%	0.66%	0.31%
UPS	D	0.23%	0.44%	0.23%
UTHR	B	0.03%	0.03%	0.03%
VRSN	C	0.04%	0.04%	0.04%
VRT	C	0.07%	0.16%	0.07%
VRTX	D	0.28%	0.23%	0.23%
VTRS	D	0.03%	0.09%	0.03%
WAB	B	0.06%	0.14%	0.06%
WM	D	0.19%	0.37%	0.19%
WPC	C	0.03%	0.07%	0.03%
WSM	C	0.04%	0.07%	0.04%
WTW	B	0.06%	0.16%	0.06%
ZBH	F	0.05%	0.14%	0.05%
ZM	C	0.03%	0.05%	0.03%
ZS	F	0.04%	0.04%	0.04%

ESGV Overweight 304 Positions Relative to RECS

Symbol	Grade	Weight
LLY	D	1.75%
AVGO	C	1.66%
TSLA	C	1.25%
UNH	C	1.07%
V	C	0.94%
COST	C	0.86%
MA	B	0.83%
HD	B	0.78%
MRK	F	0.71%
NFLX	B	0.66%
AMD	C	0.59%
KO	B	0.56%
PEP	D	0.52%
ORCL	B	0.5%
LIN	B	0.48%
AMAT	D	0.45%
ACN	C	0.43%
MCD	B	0.42%
ABT	C	0.41%
VZ	A	0.4%
TXN	B	0.4%
DHR	B	0.38%
ISRG	C	0.36%
PFE	D	0.36%
CMCSA	C	0.35%
MU	D	0.33%
SPGI	C	0.32%
GS	B	0.32%
AXP	B	0.3%
INTC	D	0.3%
ELV	D	0.29%
LOW	B	0.29%
PGR	C	0.28%
SYK	C	0.28%
MS	B	0.26%
BSX	B	0.26%
SCHW	D	0.25%
KLAC	D	0.25%
PLD	C	0.24%
CB	B	0.23%
DE	A	0.22%
SNPS	F	0.21%
NKE	D	0.21%
MDLZ	C	0.2%
SBUX	C	0.2%
BX	C	0.2%
CDNS	D	0.19%
TMUS	B	0.19%
CMG	D	0.19%
MELI	C	0.18%
ICE	C	0.18%
ZTS	B	0.18%
CVS	D	0.17%
NXPI	D	0.16%
SHW	B	0.16%
ITW	B	0.16%
ABNB	D	0.15%
MCO	C	0.15%
MRVL	D	0.14%
APO	B	0.14%
WELL	C	0.14%
PNC	C	0.14%
ORLY	B	0.14%
USB	C	0.14%
EW	F	0.13%
AJG	D	0.13%
MAR	B	0.13%
APD	B	0.13%
AON	B	0.13%
AFL	A	0.12%
AZO	B	0.12%
TFC	D	0.12%
COF	B	0.12%
CARR	B	0.12%
ADSK	B	0.12%
TRV	C	0.11%
CPRT	D	0.11%
WDAY	D	0.11%
NEM	C	0.11%
MCHP	D	0.11%
DLR	B	0.11%
F	F	0.11%
AIG	D	0.11%
FIS	C	0.1%
CCI	C	0.1%
SNOW	F	0.1%
AMP	B	0.1%
COIN	F	0.1%
DXCM	F	0.1%
HUM	F	0.1%
JCI	B	0.1%
O	B	0.1%
PSA	C	0.1%
CTVA	B	0.09%
DASH	B	0.09%
MNST	D	0.09%
A	C	0.09%
IQV	D	0.09%
VRSK	D	0.09%
RSG	D	0.09%
IDXX	D	0.09%
SMCI	F	0.09%
NU	C	0.09%
MLM	D	0.08%
GEHC	B	0.08%
DD	B	0.08%
IT	C	0.08%
CTSH	B	0.08%
ODFL	D	0.08%
KDP	B	0.08%
SYY	C	0.08%
FICO	B	0.08%
SQ	D	0.08%
FAST	C	0.08%
ACGL	B	0.08%
IR	B	0.08%
MSCI	C	0.08%
YUM	B	0.08%
HUBS	D	0.07%
DG	F	0.07%
TSCO	B	0.07%
AVB	C	0.07%
ON	D	0.07%
EFX	C	0.07%
GLW	B	0.07%
HIG	B	0.07%
CDW	D	0.07%
ROK	D	0.07%
EXR	C	0.07%
DFS	C	0.07%
VMC	C	0.07%
IFF	A	0.06%
CPNG	B	0.06%
EL	D	0.06%
WDC	C	0.06%
DOV	B	0.06%
NET	D	0.06%
GRMN	D	0.06%
AWK	C	0.06%
MTB	C	0.06%
CHD	C	0.06%
ICLR	F	0.06%
IRM	C	0.06%
TTWO	D	0.06%
EQR	C	0.06%
VEEV	C	0.06%
HSY	D	0.06%
CBRE	B	0.06%
EBAY	B	0.06%
RMD	C	0.06%
CHTR	D	0.06%
STX	B	0.05%
MKL	C	0.05%
ENTG	D	0.05%
VTR	C	0.05%
LPLA	D	0.05%
AXON	B	0.05%
TYL	C	0.05%
BRO	C	0.05%
PTC	C	0.05%
MSTR	C	0.05%
STE	B	0.05%
DLTR	F	0.05%
NDAQ	C	0.05%
TER	C	0.05%
VLTO	B	0.05%
ARES	B	0.05%
KEYS	B	0.05%
WST	D	0.05%
FSLR	C	0.05%
FDS	C	0.04%
ZBRA	B	0.04%
WSO	C	0.04%
TSN	D	0.04%
WRB	D	0.04%
CFG	D	0.04%
MAA	C	0.04%
ILMN	D	0.04%
CLX	C	0.04%
MDB	D	0.04%
WAT	B	0.04%
NTRS	C	0.04%
LII	C	0.04%
MOH	D	0.04%
ESS	C	0.04%
OMC	B	0.04%
AVY	C	0.04%
MKC	C	0.04%
DPZ	D	0.04%
WBD	D	0.04%
ALGN	D	0.04%
CINF	C	0.04%
BBY	A	0.04%
PFG	B	0.04%
RF	B	0.04%
CPAY	B	0.04%
ULTA	D	0.04%
AER	C	0.04%
BALL	C	0.04%
HBAN	B	0.04%
RBLX	C	0.04%
APTV	D	0.04%
GPC	D	0.04%
GDDY	C	0.04%
BAP	B	0.03%
RIVN	F	0.03%
ELF	F	0.03%
TECH	C	0.03%
CPT	C	0.03%
ALB	D	0.03%
SJM	C	0.03%
GWRE	B	0.03%
CYBR	B	0.03%
TOST	C	0.03%
POOL	C	0.03%
KMX	D	0.03%
REG	C	0.03%
DT	C	0.03%
BJ	D	0.03%
RNR	B	0.03%
CLH	C	0.03%
JKHY	B	0.03%
ELS	D	0.03%
LW	D	0.03%
USFD	C	0.03%
XPO	D	0.03%
TW	B	0.03%
FLEX	B	0.03%
WING	C	0.03%
SAIA	D	0.03%
PNR	B	0.03%
NVT	C	0.03%
KIM	C	0.03%
IBKR	B	0.03%
JBL	C	0.03%
FNF	B	0.03%
WRK	C	0.03%
KEY	C	0.03%
NDSN	C	0.03%
ENPH	D	0.03%
GGG	C	0.03%
JBHT	D	0.03%
UDR	C	0.03%
CHKP	B	0.03%
TRMB	C	0.03%
AKAM	D	0.03%
ROL	C	0.03%
DOC	B	0.03%
PODD	C	0.03%
TRU	B	0.03%
OKTA	F	0.03%
LYV	A	0.03%
SUI	C	0.03%
IP	C	0.03%
CCEP	C	0.03%
HOOD	C	0.03%
IEX	C	0.03%
DGX	B	0.03%
SFM	B	0.02%
X	F	0.02%
KNSL	D	0.02%
TKO	A	0.02%
EHC	B	0.02%
CPB	C	0.02%
CCK	B	0.02%
MKSI	F	0.02%
WBA	F	0.02%
HRL	F	0.02%
AFG	C	0.02%
FN	C	0.02%
CNH	C	0.02%
MUSA	D	0.02%
BBWI	D	0.02%
ANF	D	0.02%
GRAB	B	0.02%
DOX	C	0.02%
ESTC	F	0.02%
ATR	B	0.02%
WTRG	D	0.02%
ONON	B	0.02%
REXR	C	0.02%
MNDY	C	0.02%
BXP	C	0.02%
TTC	F	0.02%
OLED	D	0.02%
TFX	B	0.02%
TWLO	C	0.02%
CELH	F	0.02%
CHRW	B	0.02%
CUBE	C	0.02%
SCI	C	0.02%
CTLT	B	0.02%
INSM	D	0.02%
ALLE	B	0.02%
FND	C	0.02%
LAMR	B	0.02%
EPAM	F	0.02%
CRL	F	0.02%
UHS	C	0.02%
WMS	D	0.02%
ONTO	C	0.02%
ALLY	F	0.02%
IPG	C	0.02%
LKQ	F	0.02%

ESGV Underweight 169 Positions Relative to RECS

Symbol	Grade	Weight
JNJ	C	-2.57%
XOM	D	-1.53%
WFC	D	-1.11%
PM	C	-0.98%
CVX	F	-0.74%
LMT	A	-0.55%
MO	C	-0.45%
PH	B	-0.37%
MMM	B	-0.34%
PCG	C	-0.33%
VST	B	-0.31%
XEL	B	-0.28%
PPG	C	-0.25%
EIX	B	-0.25%
EOG	D	-0.21%
ETR	A	-0.21%
CMI	B	-0.2%
DTE	A	-0.2%
DHI	C	-0.2%
AEE	B	-0.18%
MPC	F	-0.17%
PSX	F	-0.16%
DAL	C	-0.15%
WY	C	-0.13%
VLO	F	-0.13%
NI	B	-0.12%
CE	D	-0.12%
FTV	C	-0.12%
EVRG	B	-0.11%
AES	C	-0.11%
LDOS	A	-0.1%
FANG	F	-0.1%
OXY	F	-0.1%
UAL	B	-0.09%
DELL	C	-0.09%
EME	B	-0.09%
EXP	B	-0.08%
QGEN	C	-0.07%
GLPI	C	-0.07%
LPX	B	-0.06%
ITT	B	-0.06%
CW	B	-0.06%
JEF	C	-0.06%
LVS	C	-0.06%
ACM	B	-0.06%
SOLV	D	-0.06%
DKS	D	-0.05%
ELAN	D	-0.05%
OLN	D	-0.05%
INGR	B	-0.05%
CLF	F	-0.05%
NNN	B	-0.05%
LECO	D	-0.05%
CACI	B	-0.05%
TAP	D	-0.05%
SF	B	-0.05%
CTRA	F	-0.05%
GL	D	-0.05%
XRAY	D	-0.04%
MTG	B	-0.04%
ZION	D	-0.04%
ALSN	B	-0.04%
SEIC	B	-0.04%
AYI	B	-0.04%
WTFC	C	-0.04%
STAG	D	-0.04%
COKE	C	-0.04%
CNM	F	-0.04%
UGI	B	-0.04%
ACI	F	-0.04%
GNRC	D	-0.04%
WLK	C	-0.04%
CRBG	C	-0.04%
BRBR	B	-0.04%
XP	D	-0.04%
SON	D	-0.04%
MRO	D	-0.04%
TXRH	B	-0.04%
BRX	C	-0.04%
JAZZ	D	-0.04%
RYN	C	-0.03%
H	B	-0.03%
SLM	C	-0.03%
ESAB	C	-0.03%
JHG	B	-0.03%
SMG	B	-0.03%
R	C	-0.03%
NEU	D	-0.03%
MSA	D	-0.03%
LNC	C	-0.03%
RL	B	-0.03%
RHI	D	-0.03%
COLB	B	-0.03%
MHK	B	-0.03%
AMG	C	-0.03%
LNW	F	-0.03%
G	C	-0.03%
SAIC	C	-0.03%
FLS	C	-0.03%
KEX	C	-0.03%
FTI	D	-0.03%
BEN	F	-0.03%
OGN	D	-0.03%
HRB	C	-0.03%
MGM	D	-0.03%
MIDD	C	-0.03%
WCC	C	-0.03%
WYNN	C	-0.03%
AXS	B	-0.03%
ASH	F	-0.03%
GTLB	D	-0.02%
MAN	C	-0.02%
M	F	-0.02%
GAP	F	-0.02%
GTES	C	-0.02%
CRUS	D	-0.02%
PK	D	-0.02%
AZTA	F	-0.02%
MSM	D	-0.02%
WFRD	F	-0.02%
SMAR	A	-0.02%
HIW	C	-0.02%
CWEN	A	-0.02%
LSCC	D	-0.02%
PVH	D	-0.02%
EPR	C	-0.02%
THO	C	-0.02%
NYT	B	-0.02%
DINO	F	-0.02%
ROKU	D	-0.02%
CIEN	B	-0.02%
MTCH	C	-0.02%
WU	C	-0.02%
DTM	C	-0.02%
WH	B	-0.02%
LEA	D	-0.02%
PRGO	F	-0.02%
EEFT	F	-0.02%
EXAS	D	-0.02%
OZK	F	-0.02%
KRC	C	-0.02%
CNA	D	-0.01%
APLS	F	-0.01%
ADTN	C	-0.01%
NWS	D	-0.01%
CWEN	A	-0.01%
ALGM	D	-0.01%
PEGA	B	-0.01%
REYN	C	-0.01%
CRI	D	-0.01%
PPC	D	-0.01%
RARE	C	-0.01%
AMKR	F	-0.01%
COLM	C	-0.01%
TNL	C	-0.01%
IONS	F	-0.01%
VKTX	D	-0.01%
FOX	B	-0.01%
SAM	D	-0.01%
PINC	D	-0.01%
PATH	D	-0.01%
BILL	D	-0.01%
VIRT	C	-0.01%
EXEL	C	-0.01%
DBX	C	-0.01%
CIVI	F	-0.01%
PLTK	C	-0.0%
SEB	D	-0.0%
DDS	D	-0.0%