13F HOLDINGS REPORT

Crestwood Advisors Group LLC

Quarter ended Q2 2023 · Filed May 12, 2023 · Accession 0001426853-23-000002

Total Value

$3.00B

Positions

258

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (258)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	APPLE INC COM	AAPL	1,425,539	$235.1M	7.83%
2	MICROSOFT CORP COM	MSFT	633,947	$182.8M	6.09%
3	VISA INC COM CL A	V	346,371	$78.1M	2.60%
4	FISERV INC COM	FISV	663,284	$75.0M	2.50%
5	AMAZON COM INC COM	AMZN	702,543	$72.6M	2.42%
6	JOHNSON & JOHNSON COM	JNJ	454,984	$70.5M	2.35%
7	HOME DEPOT INC COM	HD	238,848	$70.5M	2.35%
8	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	217,234	$67.1M	2.23%
9	ACCENTURE PLC IRELAND SHS CLASS A	ACN	232,656	$66.5M	2.22%
10	HONEYWELL INTL INC COM	438516106	347,617	$66.4M	2.21%
11	DANAHER CORPORATION COM	235851102	256,115	$64.6M	2.15%
12	BLACKSTONE INC COM	BX	717,101	$63.0M	2.10%
13	ALPHABET INC CAP STK CL A	GOOG	597,246	$62.0M	2.06%
14	ISHARES NATIONAL MUNI BOND ETF	464288414	574,904	$61.9M	2.06%
15	COSTCO WHSL CORP NEW COM	22160K105	108,763	$54.0M	1.80%
16	TJX COS INC NEW COM	872540109	672,913	$52.7M	1.76%
17	ALPHABET INC CAP STK CL C	GOOG	429,941	$44.7M	1.49%
18	BANK AMERICA CORP COM	060505104	1,546,914	$44.2M	1.47%
19	ADOBE SYSTEMS INCORPORATED COM	ADBE	113,651	$43.8M	1.46%
20	STRYKER CORPORATION COM	SYK	141,144	$40.3M	1.34%
21	APPLIED MATLS INC COM	038222105	326,667	$40.1M	1.34%
22	BOOKING HOLDINGS INC COM	BKNG	15,001	$39.8M	1.33%
23	SPDR PORTFOLIO S&P 600 SMALL CAP ETF	78468R853	1,035,016	$39.1M	1.30%
24	SHERWIN WILLIAMS CO COM	SHW	165,244	$37.1M	1.24%
25	XYLEM INC COM	XYL	348,669	$36.5M	1.22%
26	SPDR S&P 600 SMALL CAP ETF	78464A813	421,736	$35.4M	1.18%
27	SCHWAB CHARLES CORP COM	SCHW-PJ	672,313	$35.2M	1.17%
28	ZOETIS INC CL A	ZTS	210,442	$35.0M	1.17%
29	ISHARES CORE MSCI EAFE ETF	46432F842	509,287	$34.0M	1.13%
30	HILTON WORLDWIDE HLDGS INC COM	HLT	240,175	$33.8M	1.13%
31	CROWN CASTLE INC COM	CCI	251,908	$33.7M	1.12%
32	FORTIVE CORP COM	FTV	493,757	$33.7M	1.12%
33	MCCORMICK & CO INC COM NON VTG	MKC-V	402,037	$33.5M	1.11%
34	ISHARES MSCI USA MIN VOL FACTOR ETF	46429B697	457,554	$33.3M	1.11%
35	VANGUARD TAX-EXEMPT BOND ETF	922907746	639,588	$32.4M	1.08%
36	SALESFORCE INC COM	CRM	150,408	$30.0M	1.00%
37	CONSTELLATION BRANDS INC CL A	STZ	132,752	$30.0M	1.00%
38	RESMED INC COM	RSMDF	136,459	$29.9M	1.00%
39	MARSH & MCLENNAN COS INC COM	571748102	175,400	$29.2M	0.97%
40	JPMORGAN CHASE & CO COM	VYLD	214,550	$28.0M	0.93%
41	ISHARES U.S. TREASURY BOND ETF	46429B267	1,173,304	$27.4M	0.91%
42	AMPHENOL CORP NEW CL A	032095101	329,987	$27.0M	0.90%
43	SPDR S&P 500 ETF TRUST	SPY	64,757	$26.5M	0.88%
44	S&P GLOBAL INC COM	SPGI	71,889	$24.8M	0.83%
45	PROCTER AND GAMBLE CO COM	742718109	164,047	$24.4M	0.81%
46	ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	464287150	262,566	$23.8M	0.79%
47	BERKSHIRE HATHAWAY INC DEL CL A	BRK-A	51	$23.7M	0.79%
48	ENERGY SELECT SECTOR SPDR FUND	81369Y506	247,451	$20.5M	0.68%
49	SENSATA TECHNOLOGIES HLDG PLC SHS	ST	407,644	$20.4M	0.68%
50	ISHARES MSCI EMERGING MARKETS EX CHINA ETF	46434G764	400,485	$19.8M	0.66%
51	THERMO FISHER SCIENTIFIC INC COM	TMO	32,775	$18.9M	0.63%
52	VANGUARD REAL ESTATE ETF	922908553	227,164	$18.9M	0.63%
53	MERCK & CO INC COM	MRK	165,446	$17.6M	0.59%
54	ISHARES CORE S&P SMALL CAP ETF	464287804	174,265	$16.9M	0.56%
55	UNITED RENTALS INC COM	URI	40,819	$16.2M	0.54%
56	DISNEY WALT CO COM	254687106	158,466	$15.9M	0.53%
57	CVS HEALTH CORP COM	CVS	213,366	$15.9M	0.53%
58	ISHARES CORE S&P 500 ETF	464287200	37,557	$15.4M	0.51%
59	META PLATFORMS INC CL A	META	72,426	$15.3M	0.51%
60	CHEVRON CORP NEW COM	CVX	90,892	$14.8M	0.49%
61	ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF	464287515	46,387	$14.1M	0.47%
62	WILLIAMS COS INC COM	969457100	472,961	$14.1M	0.47%
63	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	137,372	$13.7M	0.46%
64	SEI INVTS CO COM	784117103	223,353	$12.9M	0.43%
65	THE TRADE DESK INC COM CL A	88339J105	201,254	$12.3M	0.41%
66	MORGAN STANLEY COM NEW	MS-PQ	137,081	$12.0M	0.40%
67	VANGUARD S&P 500 ETF	922908363	31,865	$12.0M	0.40%
68	ABBOTT LABS COM	ABLZF	111,205	$11.3M	0.38%
69	ISHARES MSCI EAFE ETF	464287465	148,655	$10.6M	0.35%
70	LILLY ELI & CO COM	LLY	29,285	$10.1M	0.34%
71	COCA COLA CO COM	KO	159,046	$9.9M	0.33%
72	ISHARES CORE MSCI EMERGING MARKETS ETF	46434G103	165,993	$8.1M	0.27%
73	MCDONALDS CORP COM	MCD	26,957	$7.5M	0.25%
74	EXXON MOBIL CORP COM	XOM	66,304	$7.3M	0.24%
75	ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	464288158	66,660	$7.0M	0.23%
76	MASTERCARD INCORPORATED CL A	MA	19,091	$6.9M	0.23%
77	TEXAS INSTRS INC COM	882508104	36,659	$6.8M	0.23%
78	VANGUARD SHORT-TERM BOND ETF	921937827	83,455	$6.4M	0.21%
79	STARBUCKS CORP COM	SBUX	58,901	$6.1M	0.20%
80	ANALOG DEVICES INC COM	ADI	30,751	$6.1M	0.20%
81	VANGUARD DIVIDEND APPRECIATION ETF	921908844	37,449	$5.8M	0.19%
82	STATE STR CORP COM	STT-PG	75,445	$5.7M	0.19%
83	VANGUARD MID-CAP ETF	922908629	26,942	$5.7M	0.19%
84	FIDELITY MSCI REAL ESTATE INDEX ETF	316092857	213,776	$5.3M	0.18%
85	NIKE INC CL B	NKE	42,950	$5.3M	0.18%
86	VANGUARD SMALL-CAP ETF	922908751	27,630	$5.2M	0.17%
87	SERVICENOW INC COM	NOW	10,663	$5.0M	0.17%
88	SPDR NUVEEN BLOOMBERG MUNICIPAL BOND ETF	78468R721	96,054	$4.5M	0.15%
89	INVESCO QQQ TRUST	IVZ	13,628	$4.4M	0.15%
90	INFORMATION SVCS GROUP INC COM	45675Y104	826,390	$4.2M	0.14%
91	AMERICAN TOWER CORP NEW COM	03027X100	20,384	$4.2M	0.14%
92	CATERPILLAR INC COM	CAT	17,536	$4.0M	0.13%
93	PIONEER NAT RES CO COM	723787107	17,822	$3.6M	0.12%
94	ORACLE CORP COM	ORCL-PD	36,167	$3.4M	0.11%
95	EMERSON ELEC CO COM	EMR	38,267	$3.3M	0.11%
96	CBRE GROUP INC CL A	CBRE	45,305	$3.3M	0.11%
97	PEPSICO INC COM	PEP	17,823	$3.2M	0.11%
98	ISHARES MORNINGSTAR U.S. EQUITY ETF	464287127	54,212	$3.1M	0.10%
99	ISHARES BIOTECHNOLOGY ETF	464287556	23,527	$3.0M	0.10%
100	SPDR NUVEEN BLMBG ST MUNBD ETF	78468R739	62,600	$3.0M	0.10%
101	RAYTHEON TECHNOLOGIES CORP COM	RTX	30,096	$2.9M	0.10%
102	BOSTON SCIENTIFIC CORP COM	BSX	57,505	$2.9M	0.10%
103	ISHARES RUSSELL 1000 GROWTH ETF	464287614	11,160	$2.7M	0.09%
104	SHOPIFY INC CL A	SHOP	54,995	$2.6M	0.09%
105	ISHARES CORE S&P MID-CAP ETF	464287507	10,121	$2.5M	0.08%
106	CISCO SYS INC COM	CSCO	45,511	$2.4M	0.08%
107	ISHARES ESG AWARE MSCI USA SMALL-CAP ETF	46435U663	69,595	$2.4M	0.08%
108	SPDR BLOOMBERG 1-3 MONTH T-BILL ETF	78468R663	24,245	$2.2M	0.07%
109	NVIDIA CORPORATION COM	NVDA	6,851	$1.9M	0.06%
110	VANGUARD TOTAL STOCK MARKET ETF	922908769	9,182	$1.9M	0.06%
111	ABBVIE INC COM	ABBV	11,523	$1.8M	0.06%
112	INTERNATIONAL BUSINESS MACHS COM	INTR	14,002	$1.8M	0.06%
113	PALO ALTO NETWORKS INC COM	PANW	9,009	$1.8M	0.06%
114	ISHARES S&P SMALL-CAP 600 GROWTH ETF	464287887	16,267	$1.8M	0.06%
115	WELLS FARGO CO NEW COM	949746101	46,568	$1.7M	0.06%
116	ISHARES CORE 1-5 YEAR USD BOND ETF	46432F859	36,521	$1.7M	0.06%
117	STANLEY BLACK & DECKER INC COM	SWK	20,642	$1.7M	0.06%
118	VANGUARD FTSE EMERGING MARKETS ETF	922042858	40,613	$1.6M	0.05%
119	ISHARES MSCI USA MOMENTUM FACTOR ETF	46432F396	11,718	$1.6M	0.05%
120	INVESCO S&P 500 QUALITY ETF	IVZ	33,519	$1.6M	0.05%
121	AMGEN INC COM	AMGN	6,460	$1.6M	0.05%
122	TESLA INC COM	TSLA	7,364	$1.5M	0.05%
123	VANGUARD SHORT-TERM TREASURY ETF	92206C102	25,235	$1.5M	0.05%
124	SPDR BLACKSTONE SENIOR LOAN ETF	78467V608	34,472	$1.4M	0.05%
125	EOG RES INC COM	EOG	12,399	$1.4M	0.05%
126	LOCKHEED MARTIN CORP COM	LMT	2,990	$1.4M	0.05%
127	ARCBEST CORP COM	ARCB	15,000	$1.4M	0.05%
128	PROSHARES ULTRASHORT S&P500	74347G416	34,250	$1.4M	0.05%
129	INVESCO S&P 500 LOW VOLATILITY ETF	IVZ	21,902	$1.4M	0.05%
130	SPDR PORTFOLIO S&P 500 ETF	78464A854	27,158	$1.3M	0.04%
131	ISHARES S&P MID-CAP 400 GROWTH ETF	464287606	18,155	$1.3M	0.04%
132	GOLDMAN SACHS INNOVATE EQUITY ETF	NVGLF	27,497	$1.3M	0.04%
133	PFIZER INC COM	PFE	29,397	$1.2M	0.04%
134	ULTRAGENYX PHARMACEUTICAL INC COM	RARE	29,908	$1.2M	0.04%
135	LULULEMON ATHLETICA INC COM	LULU	3,235	$1.2M	0.04%
136	LOWES COS INC COM	548661107	5,621	$1.1M	0.04%
137	FOCUS FINL PARTNERS INC COM CL A	34417P100	21,373	$1.1M	0.04%
138	ISHARES RUSSELL 2000 ETF	464287655	6,070	$1.1M	0.04%
139	INTEL CORP COM	INTC	32,493	$1.1M	0.04%
140	AMETEK INC COM	AME	7,236	$1.1M	0.04%
141	PJT PARTNERS INC COM CL A	PJT	14,036	$1.0M	0.03%
142	ISHARES S&P 500 GROWTH ETF	464287309	15,818	$1.0M	0.03%
143	PHILIP MORRIS INTL INC COM	718172109	10,311	$1.0M	0.03%
144	LENNAR CORP CL A	LEN-B	9,496	$998,125	0.03%
145	CAPITAL ONE FINL CORP COM	14040H105	9,873	$949,388	0.03%
146	VANGUARD INFORMATION TECHNOLOGY ETF	92204A702	2,361	$909,989	0.03%
147	ISHARES MSCI EMERGING MARKETS ETF	464287234	22,561	$890,269	0.03%
148	AVNET INC COM	AVT	19,694	$890,169	0.03%
149	SCHWAB U.S. BROAD MARKET ETF	808524102	18,221	$871,866	0.03%
150	VANGUARD MID-CAP GROWTH ETF	922908538	4,360	$849,720	0.03%
151	ILLINOIS TOOL WKS INC COM	452308109	3,479	$846,971	0.03%
152	AMERICAN EXPRESS CO COM	AXP	5,072	$836,564	0.03%
153	ISHARES 1-3 YEAR TREASURY BOND ETF	464287457	10,054	$826,061	0.03%
154	ISHARES RUSSELL 2000 GROWTH ETF	464287648	3,522	$798,933	0.03%
155	VANGUARD GROWTH ETF	922908736	3,197	$797,460	0.03%
156	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288646	15,751	$796,068	0.03%
157	NORFOLK SOUTHN CORP COM	655844108	3,747	$794,364	0.03%
158	NEXTERA ENERGY INC COM	NEE-PW	10,276	$792,074	0.03%
159	PAYCOM SOFTWARE INC COM	PAYC	2,498	$759,417	0.03%
160	BRISTOL-MYERS SQUIBB CO COM	CELG-RI	10,479	$726,309	0.02%
161	ISHARES RUSSELL 1000 ETF	464287622	3,143	$707,842	0.02%
162	WORKDAY INC CL A	WDAY	3,424	$707,193	0.02%
163	AMERICAN ELEC PWR CO INC COM	025537101	7,723	$702,716	0.02%
164	FIRST REP BK SAN FRANCISCO CAL COM	33616C100	50,036	$700,004	0.02%
165	VANGUARD SMALL-CAP GROWTH ETF	922908595	3,192	$690,733	0.02%
166	UNION PAC CORP COM	UNP	3,395	$683,285	0.02%
167	HEXCEL CORP NEW COM	428291108	9,500	$648,375	0.02%
168	SPDR BLOOMBERG HIGH YIELD BOND ETF	78468R622	6,985	$648,348	0.02%
169	US BANCORP DEL COM NEW	USB-PS	17,692	$637,795	0.02%
170	TECHNOLOGY SELECT SECTOR SPDR FUND	81369Y803	4,166	$629,057	0.02%
171	GENERAL DYNAMICS CORP COM	GD	2,715	$619,596	0.02%
172	WALMART INC COM	WMT	4,141	$610,651	0.02%
173	BROADCOM INC COM	AVGO	950	$609,463	0.02%
174	MONDELEZ INTL INC CL A	609207105	8,728	$608,516	0.02%
175	INTUIT COM	INTU	1,342	$598,304	0.02%
176	GENERAL MLS INC COM	370334104	6,960	$594,816	0.02%
177	NATURAL GROCERS BY VITAMIN COT COM	NGVC	50,143	$589,180	0.02%
178	ISHARES RUSSELL 1000 VALUE ETF	464287598	3,802	$578,855	0.02%
179	CARRIER GLOBAL CORPORATION COM	CARR	12,431	$568,718	0.02%
180	GENERAL ELECTRIC CO COM NEW	369604301	5,793	$553,811	0.02%
181	MOTOROLA SOLUTIONS INC COM NEW	MSI	1,918	$548,797	0.02%
182	WP CAREY INC COM	92936U109	6,985	$540,988	0.02%
183	SPDR GOLD SHARES	GLD	2,904	$532,071	0.02%
184	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	11,486	$518,823	0.02%
185	ALTRIA GROUP INC COM	MO	11,436	$510,274	0.02%
186	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	464287242	4,611	$505,412	0.02%
187	L3HARRIS TECHNOLOGIES INC COM	LHX	2,555	$501,393	0.02%
188	VANGUARD HIGH DIVIDEND YIELD INDEX ETF	921946406	4,684	$494,158	0.02%
189	WEYERHAEUSER CO MTN BE COM NEW	WY	16,365	$493,077	0.02%
190	VANGUARD SMALL CAP VALUE ETF	922908611	2,857	$453,617	0.02%
191	ZOOMINFO TECHNOLOGIES INC COMMON STOCK	GTM	18,322	$452,737	0.02%
192	BALL CORP COM	BALL	8,200	$451,902	0.02%
193	DISCOVER FINL SVCS COM	254709108	4,400	$434,896	0.01%
194	VERIZON COMMUNICATIONS INC COM	VZ	11,084	$431,055	0.01%
195	UNITEDHEALTH GROUP INC COM	UNH	905	$427,694	0.01%
196	NORTHROP GRUMMAN CORP COM	NOC	911	$420,627	0.01%
197	CSX CORP COM	CSX	13,966	$418,142	0.01%
198	KIMBERLY-CLARK CORP COM	KMB	3,091	$414,893	0.01%
199	SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF	78464A375	12,674	$411,778	0.01%
200	CITIZENS FINL GROUP INC COM	CIA	13,060	$396,632	0.01%
201	M & T BK CORP COM	55261F104	3,256	$389,320	0.01%
202	INTUITIVE SURGICAL INC COM NEW	ISRG	1,523	$389,081	0.01%
203	SCHWAB INTERNATIONAL EQUITY ETF	808524805	11,046	$384,414	0.01%
204	CAMBRIDGE BANCORP COM	132152109	5,898	$382,275	0.01%
205	CGI INC CL A SUB VTG	GIB	3,825	$368,233	0.01%
206	3M Company	MMM	3,430	$360,535	0.01%
207	INVESCO WATER RESOURCES ETF	IVZ	6,726	$358,832	0.01%
208	COMCAST CORP NEW CL A	CCZ	9,393	$356,102	0.01%
209	DUKE ENERGY CORP NEW COM NEW	DUKB	3,683	$355,323	0.01%
210	AMERICAN WTR WKS CO INC NEW COM	030420103	2,418	$354,213	0.01%
211	AUTOZONE INC COM	AZO	141	$346,599	0.01%
212	ALLSTATE CORP COM	ALL-PJ	3,126	$346,392	0.01%
213	OREILLY AUTOMOTIVE INC COM	67103H107	408	$346,384	0.01%
214	ISHARES MSCI KLD 400 SOCIAL ETF	464288570	4,368	$340,644	0.01%
215	NETFLIX INC COM	NFLX	986	$340,643	0.01%
216	BLACK KNIGHT INC COM	09215C105	5,833	$335,747	0.01%
217	PROSHARES ULTRASHORT 20 YEAR TREASURY	74347B201	12,000	$335,520	0.01%
218	VANGUARD HEALTH CARE ETF	92204A504	1,367	$325,975	0.01%
219	MARKEL CORP COM	MKL	250	$319,353	0.01%
220	ANSYS INC COM	03662Q105	940	$312,832	0.01%
221	CONOCOPHILLIPS COM	COP	3,067	$304,325	0.01%
222	CANADIAN IMPERIAL BK COMM TORO COM	CNDIF	7,169	$304,109	0.01%
223	SPDR S&P MIDCAP 400 ETF TRUST	MDY	660	$302,551	0.01%
224	AUTOMATIC DATA PROCESSING INC COM	ADP	1,349	$300,380	0.01%
225	BOEING CO COM	BA-PA	1,344	$285,506	0.01%
226	ISHARES MSCI USA QUALITY FACTOR ETF	46432F339	2,252	$279,418	0.01%
227	VANGUARD FINANCIALS ETF	92204A405	3,500	$272,615	0.01%
228	VANGUARD TOTAL BOND MARKET ETF	921937835	3,692	$272,580	0.01%
229	OTIS WORLDWIDE CORP COM	OTIS	3,210	$270,924	0.01%
230	ISHARES MSCI USA ESG SELECT ETF	464288802	3,075	$269,936	0.01%
231	BECTON DICKINSON & CO COM	BDX	1,063	$263,135	0.01%
232	WISDOMTREE US QUALITY DIVIDEND GROWTH FUND	WT	4,215	$262,765	0.01%
233	NUTANIX INC CL A	NTNX	10,000	$259,900	0.01%
234	GARTNER INC COM	IT	775	$252,472	0.01%
235	ISHARES SELECT DIVIDEND ETF	464287168	2,146	$251,468	0.01%
236	LAM RESEARCH CORP COM	LRCX	468	$248,096	0.01%
237	TENABLE HLDGS INC COM	88025T102	4,999	$237,502	0.01%
238	ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF	464288513	3,136	$236,925	0.01%
239	SEMPRA COM	SREA	1,539	$232,635	0.01%
240	COLGATE PALMOLIVE CO COM	CL	3,081	$231,550	0.01%
241	AT&T INC COM	T-PC	11,877	$228,634	0.01%
242	VANGUARD TOTAL WORLD STOCK ETF	922042742	2,479	$228,302	0.01%
243	SCHWAB U.S. SMALL-CAP ETF	808524607	5,398	$226,350	0.01%
244	NASDAQ INC COM	NDAQ	3,980	$217,587	0.01%
245	HEALTH CARE SELECT SECTOR SPDR FUND	81369Y209	1,675	$216,904	0.01%
246	AIRBNB INC COM CL A	ABNB	1,730	$215,212	0.01%
247	WASTE MGMT INC DEL COM	94106L109	1,316	$214,732	0.01%
248	MEDTRONIC PLC SHS	MDT	2,579	$207,897	0.01%
249	UMH PPTYS INC COM	903002103	13,596	$201,085	0.01%
250	FORD MTR CO DEL COM	345370860	12,257	$154,435	0.01%
251	VIMEO INC COMMON STOCK	92719V100	28,045	$107,412	0.00%
252	EDITAS MEDICINE INC COM	EDIT	12,960	$93,960	0.00%
253	LUMIRADX LTD SHS	G5709L109	137,496	$63,936	0.00%
254	AGENUS INC COM NEW	AGEN	32,928	$50,051	0.00%
255	Daktari	DAKT	40,989	$40,989	0.00%
256	PERSPECTIVE THERAPEUTICS INC COM	CATX	54,824	$34,978	0.00%
257	CHROMADEX CORP COM NEW	NAGE	22,023	$33,695	0.00%
258	GINKGO BIOWORKS HOLDINGS INC CL A SHS	DNABW	18,478	$24,576	0.00%