13F HOLDINGS REPORT
NATURAL INVESTMENTS, LLC
Quarter ended Q4 2024 · Filed February 7, 2025 · Accession 0001800586-25-000004
Total Value
$361,310
Positions
246
Other Managers
0
Confidential Omitted
No
Holdings (246)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | APPLE INC | AAPL | 94,798 | $23,739 | 6.57% |
| 2 | MICROSOFT CORP | MSFT | 50,589 | $21,323 | 5.90% |
| 3 | INVESTMENT MANAGERS SER TR I | 46144X586 | 469,470 | $14,924 | 4.13% |
| 4 | NVIDIA CORPORATION | NVDA | 110,611 | $14,853 | 4.11% |
| 5 | ISHARES TR | 464288570 | 81,269 | $8,959 | 2.48% |
| 6 | HOME DEPOT INC | HD | 19,490 | $7,581 | 2.10% |
| 7 | ABBVIE INC | ABBV | 42,395 | $7,533 | 2.08% |
| 8 | HA SUSTAINABLE INFRA CAP INC | 41068X100 | 236,745 | $6,351 | 1.76% |
| 9 | ALPHABET INC | GOOG | 33,341 | $6,311 | 1.75% |
| 10 | TIDAL ETF TR | 886364876 | 319,680 | $5,869 | 1.62% |
| 11 | MASTERCARD INCORPORATED | MA | 10,906 | $5,742 | 1.59% |
| 12 | TAIWAN SEMICONDUCTOR MFG LTD | 874039100 | 27,071 | $5,346 | 1.48% |
| 13 | SERVICENOW INC | NOW | 4,808 | $5,096 | 1.41% |
| 14 | ABBOTT LABS | ABLZF | 41,835 | $4,731 | 1.31% |
| 15 | PALO ALTO NETWORKS INC | PANW | 25,454 | $4,631 | 1.28% |
| 16 | ELI LILLY & CO | LLY | 5,422 | $4,185 | 1.16% |
| 17 | LINDE PLC | LIN | 9,234 | $3,865 | 1.07% |
| 18 | JPMORGAN CHASE & CO. | VYLD | 15,734 | $3,771 | 1.04% |
| 19 | EA SERIES TRUST | 02072L177 | 143,152 | $3,495 | 0.97% |
| 20 | INVESTMENT MANAGERS SER TR I | 46144X107 | 88,870 | $3,374 | 0.93% |
| 21 | ADOBE INC | ADBE | 7,556 | $3,360 | 0.93% |
| 22 | SHOPIFY INC | SHOP | 31,301 | $3,328 | 0.92% |
| 23 | UNITED PARCEL SERVICE INC | UPS | 25,395 | $3,202 | 0.89% |
| 24 | ASML HOLDING N V | ASMLF | 4,600 | $3,188 | 0.88% |
| 25 | ASTRAZENECA PLC | AZN | 46,154 | $3,024 | 0.84% |
| 26 | AMERICAN TOWER CORP NEW | 03027X100 | 16,318 | $2,992 | 0.83% |
| 27 | BROOKFIELD RENEWABLE CORP | BEPC | 103,578 | $2,864 | 0.79% |
| 28 | COSTCO WHSL CORP NEW | 22160K105 | 3,077 | $2,818 | 0.78% |
| 29 | THERMO FISHER SCIENTIFIC INC | TMO | 5,389 | $2,803 | 0.78% |
| 30 | TRAVELERS COMPANIES INC | TRV | 11,558 | $2,784 | 0.77% |
| 31 | EATON CORP PLC | ETN | 8,380 | $2,781 | 0.77% |
| 32 | UNILEVER PLC | UNLYF | 47,456 | $2,690 | 0.74% |
| 33 | VERISK ANALYTICS INC | VRSK | 9,717 | $2,676 | 0.74% |
| 34 | PNC FINL SVCS GROUP INC | 693475105 | 12,700 | $2,449 | 0.68% |
| 35 | MCCORMICK & CO INC | MKC-V | 31,385 | $2,392 | 0.66% |
| 36 | AMERICAN EXPRESS CO | AXP | 8,011 | $2,377 | 0.66% |
| 37 | ACCENTURE PLC IRELAND | ACN | 6,662 | $2,343 | 0.65% |
| 38 | ECOLAB INC | ECL | 9,805 | $2,297 | 0.64% |
| 39 | UNION PAC CORP | UNP | 9,929 | $2,264 | 0.63% |
| 40 | CHIPOTLE MEXICAN GRILL INC | CMG | 37,374 | $2,253 | 0.62% |
| 41 | SAP SE | SAPGF | 9,110 | $2,242 | 0.62% |
| 42 | AUTODESK INC | ADSK | 7,547 | $2,230 | 0.62% |
| 43 | MANAGER DIRECTED PORTFOLIOS | 56170L695 | 218,868 | $2,214 | 0.61% |
| 44 | AMPLIFY ETF TR | 032108557 | 36,527 | $2,182 | 0.60% |
| 45 | MSCI INC | MSCI | 3,620 | $2,172 | 0.60% |
| 46 | ALCON AG | ALC | 25,363 | $2,153 | 0.60% |
| 47 | BROADCOM INC | AVGO | 9,279 | $2,151 | 0.60% |
| 48 | PROCTER AND GAMBLE CO | 742718109 | 12,652 | $2,121 | 0.59% |
| 49 | ALPHABET INC | GOOG | 10,665 | $2,031 | 0.56% |
| 50 | BRIGHT HORIZONS FAM SOL IN D | 109194100 | 18,096 | $2,005 | 0.55% |
| 51 | PEPSICO INC | PEP | 13,178 | $2,003 | 0.55% |
| 52 | MERCADOLIBRE INC | MELI | 1,161 | $1,973 | 0.55% |
| 53 | AMERICAN WTR WKS CO INC NEW | 030420103 | 15,723 | $1,957 | 0.54% |
| 54 | WABTEC | 929740108 | 9,643 | $1,828 | 0.51% |
| 55 | PROLOGIS INC. | PLDGP | 17,217 | $1,819 | 0.50% |
| 56 | LULULEMON ATHLETICA INC | LULU | 4,621 | $1,766 | 0.49% |
| 57 | FIRST SOLAR INC | FSLR | 9,921 | $1,748 | 0.48% |
| 58 | XYLEM INC | XYL | 14,428 | $1,673 | 0.46% |
| 59 | VISA INC | V | 5,146 | $1,626 | 0.45% |
| 60 | EAST WEST BANCORP INC | EWBC | 16,075 | $1,539 | 0.43% |
| 61 | FRANKLIN ETF TR | 353506108 | 16,965 | $1,531 | 0.42% |
| 62 | STRYKER CORPORATION | SYK | 4,245 | $1,528 | 0.42% |
| 63 | SPDR S&P 500 ETF TR | SPY | 2,583 | $1,513 | 0.42% |
| 64 | AUTOMATIC DATA PROCESSING IN | ADP | 4,981 | $1,458 | 0.40% |
| 65 | SONY GROUP CORP | SNEJF | 68,734 | $1,454 | 0.40% |
| 66 | MANAGED PORTFOLIO SERIES | 56167N753 | 30,893 | $1,449 | 0.40% |
| 67 | TIDAL TRUST III | 74741A106 | 84,251 | $1,422 | 0.39% |
| 68 | MERCK & CO INC | MRK | 13,984 | $1,391 | 0.38% |
| 69 | NETFLIX INC | NFLX | 1,523 | $1,357 | 0.38% |
| 70 | ORMAT TECHNOLOGIES INC | ORA | 19,881 | $1,346 | 0.37% |
| 71 | NOVO-NORDISK A S | NONOF | 15,646 | $1,345 | 0.37% |
| 72 | NIKE INC | NKE | 17,730 | $1,341 | 0.37% |
| 73 | VANECK ETF TRUST | 92189F171 | 55,675 | $1,319 | 0.37% |
| 74 | STARBUCKS CORP | SBUX | 14,196 | $1,295 | 0.36% |
| 75 | BALL CORP | BALL | 22,665 | $1,249 | 0.35% |
| 76 | AMGEN INC | AMGN | 4,791 | $1,248 | 0.35% |
| 77 | HDFC BANK LTD | HDB | 19,250 | $1,229 | 0.34% |
| 78 | UNITEDHEALTH GROUP INC | UNH | 2,419 | $1,223 | 0.34% |
| 79 | ALLSTATE CORP | ALL-PJ | 6,226 | $1,200 | 0.33% |
| 80 | TRANE TECHNOLOGIES PLC | TT | 3,166 | $1,169 | 0.32% |
| 81 | GLOBAL PMTS INC | 37940X102 | 10,360 | $1,160 | 0.32% |
| 82 | BROOKFIELD RENEWABLE PARTNER | G16258108 | 50,372 | $1,147 | 0.32% |
| 83 | 3M CO | MMM | 8,797 | $1,135 | 0.31% |
| 84 | CANADIAN PACIFIC KANSAS CITY | CP | 15,613 | $1,129 | 0.31% |
| 85 | BERKSHIRE HATHAWAY INC DEL | BRK-A | 2,376 | $1,076 | 0.30% |
| 86 | WALMART INC | WMT | 11,612 | $1,049 | 0.29% |
| 87 | AMAZON COM INC | AMZN | 4,752 | $1,042 | 0.29% |
| 88 | MORGAN STANLEY ETF TRUST | MS-PQ | 14,492 | $1,039 | 0.29% |
| 89 | NEXTRACKER INC | NXT | 27,734 | $1,013 | 0.28% |
| 90 | INTERNATIONAL BUSINESS MACHS | INTR | 4,605 | $1,012 | 0.28% |
| 91 | DANAHER CORPORATION | 235851102 | 4,351 | $998 | 0.28% |
| 92 | JOHNSON & JOHNSON | JNJ | 6,823 | $986 | 0.27% |
| 93 | LOWES COS INC | 548661107 | 3,907 | $964 | 0.27% |
| 94 | GLOBAL X FDS | 37954Y707 | 110,704 | $960 | 0.27% |
| 95 | FERGUSON ENTERPRISES INC | FERG | 5,399 | $937 | 0.26% |
| 96 | VANECK ETF TRUST | 92189H813 | 20,200 | $928 | 0.26% |
| 97 | SHINHAN FINANCIAL GROUP CO L | SHG | 27,126 | $891 | 0.25% |
| 98 | ORACLE CORP | ORCL-PD | 5,268 | $877 | 0.24% |
| 99 | VITAL FARMS INC | VITL | 22,947 | $864 | 0.24% |
| 100 | ISHARES TR | 464288588 | 9,399 | $861 | 0.24% |
| 101 | SHENANDOAH TELECOMMUNICATION | SHEN | 67,778 | $854 | 0.24% |
| 102 | HALEON PLC | HLNCF | 88,100 | $840 | 0.23% |
| 103 | NVENT ELECTRIC PLC | NVT | 12,239 | $834 | 0.23% |
| 104 | ETF SER SOLUTIONS | 26922A297 | 15,355 | $825 | 0.23% |
| 105 | CISCO SYS INC | CSCO | 13,810 | $817 | 0.23% |
| 106 | CHUBB LIMITED | CB | 2,918 | $806 | 0.22% |
| 107 | US BANCORP DEL | USB-PS | 16,823 | $804 | 0.22% |
| 108 | ROGERS CORP | ROG | 7,614 | $773 | 0.21% |
| 109 | TJX COS INC NEW | 872540109 | 6,402 | $773 | 0.21% |
| 110 | INTERCONTINENTAL EXCHANGE IN | 45866F104 | 5,041 | $751 | 0.21% |
| 111 | BANK AMERICA CORP | 060505104 | 16,882 | $741 | 0.21% |
| 112 | TE CONNECTIVITY PLC | TEL | 5,164 | $738 | 0.20% |
| 113 | T-MOBILE US INC | TMUSZ | 3,277 | $723 | 0.20% |
| 114 | ILLINOIS TOOL WKS INC | 452308109 | 2,832 | $718 | 0.20% |
| 115 | RELX PLC | RLXXF | 15,535 | $705 | 0.20% |
| 116 | NEXTERA ENERGY INC | NEE-PW | 9,750 | $698 | 0.19% |
| 117 | AMALGAMATED FINANCIAL CORP | AMAL | 20,648 | $691 | 0.19% |
| 118 | NUSHARES ETF TR | NU | 22,979 | $690 | 0.19% |
| 119 | BLACKROCK TAX MUNICPAL BD TR | BLK | 42,770 | $689 | 0.19% |
| 120 | INVESCO EXCH TRADED FD TR II | IVZ | 20,817 | $689 | 0.19% |
| 121 | INVESCO QQQ TR | IVZ | 1,328 | $678 | 0.19% |
| 122 | NATIONAL GRID PLC | NMPWP | 11,351 | $674 | 0.19% |
| 123 | LEGG MASON ETF INVT | 524682200 | 8,931 | $672 | 0.19% |
| 124 | DEERE & CO | DE | 1,531 | $648 | 0.18% |
| 125 | THE CIGNA GROUP | 125523100 | 2,293 | $633 | 0.18% |
| 126 | MORGAN STANLEY ETF TRUST | MS-PQ | 8,109 | $594 | 0.16% |
| 127 | SALESFORCE INC | CRM | 1,756 | $587 | 0.16% |
| 128 | ELEVANCE HEALTH INC | ELV | 1,582 | $583 | 0.16% |
| 129 | INTUIT | INTU | 919 | $577 | 0.16% |
| 130 | NUSHARES ETF TR | NU | 25,741 | $560 | 0.15% |
| 131 | ADVANCED MICRO DEVICES INC | AMD | 4,634 | $559 | 0.15% |
| 132 | TORONTO DOMINION BK ONT | TORO | 10,467 | $557 | 0.15% |
| 133 | CREDICORP LTD | BAP | 3,017 | $553 | 0.15% |
| 134 | COMCAST CORP NEW | CCZ | 14,421 | $541 | 0.15% |
| 135 | PFIZER INC | PFE | 20,152 | $534 | 0.15% |
| 136 | ZOETIS INC | ZTS | 3,221 | $524 | 0.15% |
| 137 | NEXTERA ENERGY PARTNERS LP | NEE-PW | 28,336 | $504 | 0.14% |
| 138 | WATERS CORP | 941848103 | 1,338 | $496 | 0.14% |
| 139 | DIGITAL RLTY TR INC | 253868103 | 2,754 | $488 | 0.14% |
| 140 | BECTON DICKINSON & CO | BDX | 2,136 | $484 | 0.13% |
| 141 | CINCINNATI FINL CORP | 172062101 | 3,319 | $476 | 0.13% |
| 142 | CANADIAN NATL RY CO | 136375102 | 4,637 | $470 | 0.13% |
| 143 | TEXAS INSTRS INC | 882508104 | 2,479 | $464 | 0.13% |
| 144 | VERIZON COMMUNICATIONS INC | VZ | 11,602 | $463 | 0.13% |
| 145 | GILEAD SCIENCES INC | GILD | 4,987 | $460 | 0.13% |
| 146 | MORGAN STANLEY ETF TRUST | MS-PQ | 9,060 | $459 | 0.13% |
| 147 | DISNEY WALT CO | 254687106 | 4,080 | $454 | 0.13% |
| 148 | COCA COLA CO | KO | 7,167 | $446 | 0.12% |
| 149 | ITAU UNIBANCO HLDG S A | 465562106 | 89,744 | $445 | 0.12% |
| 150 | MORGAN STANLEY ETF TRUST | MS-PQ | 6,373 | $431 | 0.12% |
| 151 | TESLA INC | TSLA | 1,053 | $425 | 0.12% |
| 152 | COLGATE PALMOLIVE CO | CL | 4,667 | $424 | 0.12% |
| 153 | S&P GLOBAL INC | SPGI | 842 | $419 | 0.12% |
| 154 | AGILENT TECHNOLOGIES INC | A | 3,104 | $416 | 0.12% |
| 155 | DIMENSIONAL ETF TRUST | 25434V708 | 11,969 | $414 | 0.11% |
| 156 | ISHARES TR | 464288224 | 36,083 | $410 | 0.11% |
| 157 | QUALCOMM INC | QCOM | 2,603 | $399 | 0.11% |
| 158 | VANGUARD WORLD FD | 921910733 | 3,813 | $399 | 0.11% |
| 159 | AIR PRODS & CHEMS INC | AIIR | 1,363 | $395 | 0.11% |
| 160 | VANGUARD WORLD FD | 921910725 | 6,971 | $395 | 0.11% |
| 161 | BRISTOL-MYERS SQUIBB CO | CELG-RI | 6,956 | $393 | 0.11% |
| 162 | MORGAN STANLEY ETF TRUST | MS-PQ | 6,611 | $392 | 0.11% |
| 163 | EDWARDS LIFESCIENCES CORP | EW | 5,303 | $392 | 0.11% |
| 164 | MONSTER BEVERAGE CORP NEW | MNST | 7,443 | $391 | 0.11% |
| 165 | MCDONALDS CORP | MCD | 1,322 | $383 | 0.11% |
| 166 | EQUINIX INC | EQIX | 405 | $381 | 0.11% |
| 167 | NUSHARES ETF TR | NU | 9,081 | $380 | 0.11% |
| 168 | NOVARTIS AG | NVSEF | 3,851 | $374 | 0.10% |
| 169 | TARGET CORP | TGT | 2,767 | $374 | 0.10% |
| 170 | POTLATCHDELTIC CORPORATION | 737630103 | 9,450 | $370 | 0.10% |
| 171 | FACTSET RESH SYS INC | 303075105 | 757 | $363 | 0.10% |
| 172 | AT&T INC | T-PC | 15,926 | $362 | 0.10% |
| 173 | IRON MTN INC DEL | 46284V101 | 3,439 | $361 | 0.10% |
| 174 | VANGUARD BD INDEX FDS | 921937835 | 5,011 | $360 | 0.10% |
| 175 | ISHARES TR | 464288802 | 2,950 | $358 | 0.10% |
| 176 | GLOBE LIFE INC | GL-PD | 3,200 | $356 | 0.10% |
| 177 | ISHARES TR | 464287655 | 1,607 | $355 | 0.10% |
| 178 | DECKERS OUTDOOR CORP | DECK | 1,744 | $354 | 0.10% |
| 179 | INVESCO EXCHANGE TRADED FD T | IVZ | 8,288 | $335 | 0.09% |
| 180 | STERIS PLC | STE | 1,628 | $334 | 0.09% |
| 181 | HSBC HLDGS PLC | HBCYF | 6,760 | $334 | 0.09% |
| 182 | VANGUARD WORLD FD | 921910816 | 970 | $333 | 0.09% |
| 183 | MCKESSON CORP | MCK | 572 | $325 | 0.09% |
| 184 | FIRST TR EXCHANGE-TRADED FD | 33733B100 | 3,161 | $322 | 0.09% |
| 185 | ANALOG DEVICES INC | ADI | 1,488 | $316 | 0.09% |
| 186 | BOOKING HOLDINGS INC | BKNG | 63 | $312 | 0.09% |
| 187 | ISHARES TR | 46435G441 | 6,675 | $308 | 0.09% |
| 188 | NXP SEMICONDUCTORS N V | NXPI | 1,482 | $308 | 0.09% |
| 189 | UNITED BANKSHARES INC WEST V | UNTCW | 8,101 | $304 | 0.08% |
| 190 | NUSHARES ETF TR | NU | 3,526 | $302 | 0.08% |
| 191 | FRANKLIN TEMPLETON HOLDINGS | FGDL | 8,442 | $296 | 0.08% |
| 192 | FIRST TR EXCHANGE-TRADED FD | 33733E500 | 8,671 | $294 | 0.08% |
| 193 | SSGA ACTIVE TR | 78470P853 | 9,993 | $293 | 0.08% |
| 194 | SPOTIFY TECHNOLOGY S A | SPOT | 655 | $292 | 0.08% |
| 195 | TRIMBLE INC | TRMB | 4,133 | $292 | 0.08% |
| 196 | MEDTRONIC PLC | MDT | 3,644 | $291 | 0.08% |
| 197 | TC ENERGY CORP | TRPRF | 6,250 | $290 | 0.08% |
| 198 | VANGUARD SCOTTSDALE FDS | 92206C706 | 4,895 | $283 | 0.08% |
| 199 | META PLATFORMS INC | META | 482 | $282 | 0.08% |
| 200 | ISHARES TR | 464288612 | 2,700 | $281 | 0.08% |
| 201 | GLOBAL X FDS | 37954Y889 | 3,925 | $278 | 0.08% |
| 202 | MORGAN STANLEY ETF TRUST | MS-PQ | 4,958 | $273 | 0.08% |
| 203 | AMERIPRISE FINL INC | 03076C106 | 512 | $272 | 0.08% |
| 204 | FISERV INC | FISV | 1,305 | $267 | 0.07% |
| 205 | THE TRADE DESK INC | 88339J105 | 2,234 | $262 | 0.07% |
| 206 | VERTEX PHARMACEUTICALS INC | VRTX | 630 | $253 | 0.07% |
| 207 | AFLAC INC | AFL | 2,410 | $249 | 0.07% |
| 208 | GE AEROSPACE | 369604301 | 1,494 | $249 | 0.07% |
| 209 | CITIGROUP INC | C-PR | 3,537 | $248 | 0.07% |
| 210 | EMERSON ELEC CO | EMR | 1,998 | $247 | 0.07% |
| 211 | TWILIO INC | TWLO | 2,268 | $245 | 0.07% |
| 212 | GENERAL MLS INC | 370334104 | 3,854 | $245 | 0.07% |
| 213 | NUSHARES ETF TR | NU | 11,406 | $241 | 0.07% |
| 214 | PIMCO DYNAMIC INCOME FD | 72201Y101 | 13,032 | $239 | 0.07% |
| 215 | WASTE MGMT INC DEL | 94106L109 | 1,189 | $239 | 0.07% |
| 216 | PIMCO ETF TR | 72201R643 | 2,434 | $239 | 0.07% |
| 217 | KIMBERLY-CLARK CORP | KMB | 1,800 | $235 | 0.07% |
| 218 | PAYPAL HLDGS INC | PYPL | 2,739 | $233 | 0.06% |
| 219 | ISHARES TR | 464287200 | 388 | $228 | 0.06% |
| 220 | CME GROUP INC | CME | 979 | $227 | 0.06% |
| 221 | TETRA TECH INC NEW | TTEK | 5,655 | $225 | 0.06% |
| 222 | ROSS STORES INC | ROST | 1,485 | $224 | 0.06% |
| 223 | MONDELEZ INTL INC | 609207105 | 3,735 | $223 | 0.06% |
| 224 | AUTOZONE INC | AZO | 70 | $223 | 0.06% |
| 225 | QUANTA SVCS INC | 74762E102 | 686 | $216 | 0.06% |
| 226 | PROGRESSIVE CORP | 743315103 | 897 | $214 | 0.06% |
| 227 | LPL FINL HLDGS INC | 50212V100 | 651 | $212 | 0.06% |
| 228 | ARISTA NETWORKS INC | ANET | 1,925 | $212 | 0.06% |
| 229 | INVESCO EXCHANGE TRADED FD T | IVZ | 10,555 | $211 | 0.06% |
| 230 | LAM RESEARCH CORP | LRCX | 2,904 | $209 | 0.06% |
| 231 | ETFS GOLD TR | 00326A104 | 8,332 | $208 | 0.06% |
| 232 | WELLTOWER INC | WELL | 1,641 | $206 | 0.06% |
| 233 | ISHARES TR | 464287309 | 2,004 | $203 | 0.06% |
| 234 | AON PLC | AON | 559 | $200 | 0.06% |
| 235 | MICRON TECHNOLOGY INC | MU | 2,382 | $200 | 0.06% |
| 236 | PIMCO MUN INCOME FD II | 72200W106 | 24,178 | $195 | 0.05% |
| 237 | ING GROEP N.V. | INGVF | 10,962 | $171 | 0.05% |
| 238 | BLACKROCK LONG-TERM MUN ADVA | BLK | 15,985 | $156 | 0.04% |
| 239 | BANCO SANTANDER S.A. | BCDRF | 30,888 | $140 | 0.04% |
| 240 | WIPRO LTD | WIT | 37,567 | $132 | 0.04% |
| 241 | LLOYDS BANKING GROUP PLC | LLOBF | 48,891 | $132 | 0.04% |
| 242 | ALGONQUIN PWR UTILS CORP | 015857105 | 23,954 | $106 | 0.03% |
| 243 | LG DISPLAY CO LTD | LPL | 30,870 | $94 | 0.03% |
| 244 | TELEFONICA S A | TELFY | 23,533 | $94 | 0.03% |
| 245 | UNITED MICROELECTRONICS CORP | UMC | 11,511 | $74 | 0.02% |
| 246 | GRUPO AVAL ACCIONES Y VALORE | AVAL | 17,124 | $34 | 0.01% |