Standard Premium Finance Holdings, Inc. (SPFX)
Every figure this model derived for SPFX, the value it took, and the element in the company's own XBRL it was read from — so any of it can be checked against the filing rather than taken on trust. As at 2026-06-30.
The figures, and where each came from
This is the part no other screener shows. Each figure below names the XBRL element it was read from, so it can be checked against the filing itself.
| Figure | Value | XBRL tag | As at |
|---|---|---|---|
| capex | 58,651 | PaymentsToAcquirePropertyPlantAndEquipment |
2026-06-30 |
| cash | 20,688 | CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents |
2026-06-30 |
| current assets | 88,191,985 | AssetsCurrent |
2026-06-30 |
| current liabilities | 70,515,736 | LiabilitiesCurrent |
2026-06-30 |
| equity | 9,015,735 | StockholdersEquity |
2026-06-30 |
| interest expense | 4,257,561 | InterestExpense |
2026-06-30 |
| ocf | 2,883,599 | NetCashProvidedByUsedInOperatingActivities |
2025-12-31 |
| revenue | 13,235,779 | Revenues |
2026-06-30 |
| sbc | 10,650 | ShareBasedCompensation |
2026-06-30 |
The ratios
The figures themselves rather than their scores — what somebody looking up SPFX on one particular measure came for.
| Ratio | Value |
|---|---|
| current ratio | 1.25 |
| current ratio reported | 1.25 |
| dilution pct | 3.51 |
| ev owner earnings | 3.92 |
| ev sales | 0.83 |
| fcf margin | 21.34 |
| growth cv | 0.58 |
| owner earnings margin | 21.26 |
| revenue growth | 8.44 |
| revenue growth per share | 4.76 |
| sbc pct revenue | 0.08 |
Everything else this filing tags
198 more elements from SPFX's own XBRL that this model has no measure for, newest reading each, largest first. Nothing here is converted, added up or renamed — it is the filing's own element names and the filing's own numbers.
| Element | Newest | As of | Periods | Unit |
|---|---|---|---|---|
UnearnedPremiums | 123,200,000 | 2026-06-30 | 44 | USD |
CommonStockSharesAuthorized | 100,000,000 | 2026-06-30 | 44 | shares |
Assets | 89,860,945 | 2026-06-30 | 44 | USD |
LiabilitiesAndStockholdersEquity | 89,860,945 | 2026-06-30 | 44 | USD |
Liabilities | 80,845,210 | 2026-06-30 | 44 | USD |
LinesOfCreditCurrent | 61,835,009 | 2026-06-30 | 44 | USD |
PreferredStockSharesAuthorized | 20,000,000 | 2026-06-30 | 44 | shares |
NetCashProvidedByUsedInInvestingActivities | -14,438,028 | 2026-06-30 | 44 | USD |
ProceedsFromRepaymentsOfLinesOfCredit | 12,539,764 | 2026-06-30 | 44 | USD |
NetCashProvidedByUsedInFinancingActivities | 12,212,668 | 2026-06-30 | 44 | USD |
LiabilitiesNoncurrent | 10,329,474 | 2026-06-30 | 44 | USD |
LongTermNotesPayable | 7,176,245 | 2026-06-30 | 44 | USD |
OperatingCostsAndExpenses | 5,723,665 | 2026-06-30 | 66 | USD |
RetainedEarningsAccumulatedDeficit | 5,498,168 | 2026-06-30 | 44 | USD |
InterestExpenseNonoperating | 4,407,653 | 2024-12-31 | 2 | USD |
WeightedAverageNumberOfDilutedSharesOutstanding | 4,009,148 | 2026-06-30 | 54 | shares |
AdditionalPaidInCapital | 3,514,470 | 2026-06-30 | 44 | USD |
WeightedAverageNumberOfSharesOutstandingBasic | 2,964,594 | 2026-06-30 | 54 | shares |
CommonStockSharesIssued | 2,930,726 | 2026-06-30 | 44 | shares |
CommonStockSharesOutstanding | 2,930,726 | 2026-06-30 | 44 | shares |
WeightedAverageNumberOfShareOutstandingBasicAndDiluted | 2,905,016 | 2021-09-30 | 10 | shares |
NotesPayable | 2,832,726 | 2025-12-31 | 20 | USD |
AccruedLiabilitiesAndOtherLiabilities | 2,825,270 | 2026-06-30 | 44 | USD |
NotesAndLoansPayableCurrent | 2,628,500 | 2026-06-30 | 30 | USD |
AllowanceForDoubtfulAccountsReceivable | 2,514,737 | 2026-06-30 | 46 | USD |
AllowanceForDoubtfulAccountsReceivableCurrent | 2,514,737 | 2026-06-30 | 68 | USD |
AccountsAndFinancingReceivableAllowanceForCreditLoss | 2,514,737 | 2026-06-30 | 28 | USD |
InterestPaidNet | 2,098,980 | 2026-06-30 | 44 | USD |
NotesPayableRelatedPartiesCurrentAndNoncurrent | 1,928,000 | 2023-03-31 | 18 | USD |
NotesPayableRelatedPartiesNoncurrent | 1,856,000 | 2023-03-31 | 18 | USD |
NotesPayableCurrent | 1,806,180 | 2026-06-30 | 44 | USD |
PreferredStockLiquidationPreferenceValue | 1,689,050 | 2026-06-30 | 15 | USD |
PrepaidExpenseAndOtherAssetsCurrent | 1,645,803 | 2026-06-30 | 44 | USD |
OtherAssets | 1,436,511 | 2026-06-30 | 44 | USD |
AccountsReceivableNet | 1,361,200 | 2026-06-30 | 6 | USD |
IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets | 1,297,898 | 2026-06-30 | 44 | USD |
SalariesAndWages | 1,127,446 | 2026-06-30 | 66 | USD |
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest | 1,054,301 | 2026-06-30 | 66 | USD |
ClassOfWarrantOrRightOutstanding | 1,035,000 | 2025-03-31 | 45 | shares |
IncreaseDecreaseInBookOverdrafts | 1,034,062 | 2023-06-30 | 20 | USD |
AllowanceForDoubtfulAccountsReceivableWriteOffs | 989,841 | 2026-06-30 | 44 | USD |
LeasingCommissionsExpense | 963,167 | 2026-06-30 | 66 | USD |
CashSurrenderValueOfLifeInsurance | 785,511 | 2026-06-30 | 44 | USD |
NetIncomeLoss | 783,717 | 2026-06-30 | 66 | USD |
NetIncomeLossAvailableToCommonStockholdersDiluted | -783,717 | 2026-06-30 | 8 | USD |
NetIncomeLossAvailableToCommonStockholdersBasic | 725,617 | 2026-06-30 | 66 | USD |
ProvisionForOtherCreditLosses | 704,414 | 2026-06-30 | 42 | USD |
DeferredIncomeTaxAssetsNet | 651,000 | 2026-06-30 | 44 | USD |
LoansInsurancePolicy | 641,934 | 2024-03-31 | 10 | USD |
ProceedsFromSaleOfInsuranceInvestments | 641,934 | 2024-09-30 | 5 | USD |
DeferredTaxAssetsGross | 575,000 | 2025-12-31 | 10 | USD |
DeferredTaxAssetsNet | 575,000 | 2025-12-31 | 10 | USD |
RepaymentsOfDebt | 530,961 | 2025-09-30 | 2 | USD |
DeferredTaxAssetsOther | 519,575 | 2025-12-31 | 10 | USD |
ProceedsFromIssuanceOfDebt | 509,432 | 2025-09-30 | 2 | USD |
IncomeTaxReconciliationStateAndLocalIncomeTaxes | 448,295 | 2025-12-31 | 2 | USD |
PropertyPlantAndEquipmentGross | 414,763 | 2026-06-30 | 44 | USD |
OtherGeneralExpense | 401,879 | 2026-06-30 | 66 | USD |
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities | 388,838 | 2026-06-30 | 44 | USD |
ProfitLoss | 375,650 | 2026-06-30 | 70 | USD |
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate | 353,047 | 2024-12-31 | 8 | USD |
InterestExpenseBorrowings | 350,000 | 2026-06-30 | 66 | USD |
ProceedsFromNotesPayable | 292,500 | 2026-06-30 | 44 | USD |
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment | 290,254 | 2026-06-30 | 44 | USD |
IncomeTaxExpenseBenefit | 270,584 | 2026-06-30 | 66 | USD |
LesseeOperatingLeaseLiabilityPaymentsDue | 266,214 | 2022-12-31 | 2 | USD |
CashFDICInsuredAmount | 250,000 | 2026-06-30 | 21 | USD |
StockRepurchasedAndRetiredDuringPeriodValue | 250,000 | 2022-06-30 | 3 | USD |
StockIssuedDuringPeriodValueConversionOfConvertibleSecurities | 250,000 | 2022-04-30 | 3 | USD |
BankOverdrafts | 249,056 | 2026-06-30 | 34 | USD |
ProceedsFromRepaymentsOfBankOverdrafts | -248,113 | 2026-06-30 | 38 | USD |
IncomeTaxesPaidNet | 246,126 | 2026-06-30 | 40 | USD |
ProfessionalFees | 241,722 | 2026-06-30 | 66 | USD |
ProceedsFromRepaymentsOfNotesPayable | -236,000 | 2022-09-30 | 14 | USD |
InterestExpenseOther | 231,000 | 2025-12-31 | 58 | USD |
PaymentsForRepurchaseOfEquity | 171,001 | 2026-06-30 | 2 | USD |
PreferredStockSharesIssued | 166,000 | 2022-12-31 | 16 | shares |
PreferredStockSharesOutstanding | 166,000 | 2022-12-31 | 16 | shares |
RepaymentsOfNotesPayable | 137,000 | 2026-06-30 | 47 | USD |
AllowanceForDoubtfulAccountsReceivableRecoveries | 126,810 | 2026-06-30 | 44 | USD |
PropertyPlantAndEquipmentNet | 124,509 | 2026-06-30 | 44 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths | 119,801 | 2025-12-31 | 5 | USD |
LineOfCreditFacilityCollateralFeesAmount | 117,228 | 2022-12-31 | 6 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber | 111,200 | 2025-03-31 | 17 | shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber | 111,200 | 2025-03-31 | 45 | shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber | 111,200 | 2024-12-31 | 9 | shares |
OtherExpenses | 104,594 | 2026-06-30 | 66 | USD |
OperatingLeaseLiability | 102,416 | 2026-06-30 | 44 | USD |
OperatingLeaseRightOfUseAsset | 102,416 | 2026-06-30 | 44 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue | 100,320 | 2025-03-31 | 23 | USD |
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1 | 100,320 | 2025-03-31 | 12 | USD |
StockIssuedDuringPeriodSharesStockOptionsExercised | 96,200 | 2024-12-31 | 17 | shares |
StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities | 96,200 | 2024-08-31 | 6 | shares |
DividendsPreferredStock | 87,150 | 2025-09-30 | 8 | USD |
OperatingLeasePayments | 84,586 | 2025-12-31 | 10 | USD |
CashAndCashEquivalentsAtCarryingValue | 81,411 | 2021-09-30 | 12 | USD |
ProceedsFromSecuredNotesPayable | 79,460 | 2025-09-30 | 36 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue | 76,960 | 2024-12-31 | 4 | USD |
StockIssuedDuringPeriodValueNewIssues | 76,960 | 2024-12-31 | 4 | USD |
IncreaseDecreaseInDeferredIncomeTaxes | 76,000 | 2026-06-30 | 43 | USD |
OperatingLeaseLiabilityCurrent | 75,048 | 2026-06-30 | 44 | USD |
NotesPayableRelatedPartiesClassifiedCurrent | 72,000 | 2023-03-31 | 18 | USD |
IncomeTaxReconciliationForeignIncomeTaxRateDifferential | -70,000 | 2025-12-31 | 2 | USD |
RightOfUseAssetObtainedInExchangeForFinanceLeaseLiability | 65,801 | 2021-12-31 | 2 | USD |
AmortizationOfDeferredLoanOriginationFeesNet | -62,168 | 2026-06-30 | 44 | USD |
OperatingLeaseCost | 61,208 | 2026-06-30 | 66 | USD |
PostageExpense | 60,697 | 2026-06-30 | 66 | USD |
EmployeeBenefitsAndShareBasedCompensation | 60,687 | 2025-12-31 | 10 | USD |
ProceedsFromRelatedPartyDebt | 60,000 | 2026-06-30 | 41 | USD |
Dividends | 58,100 | 2026-06-30 | 56 | USD |
DividendsPreferredStockStock | 58,100 | 2026-06-30 | 64 | USD |
IncreaseDecreaseInOperatingLeaseLiability | -49,407 | 2026-06-30 | 44 | USD |
OperatingLeaseRightOfUseAssetAmortizationExpense | 49,407 | 2026-06-30 | 44 | USD |
RepaymentsOfOtherDebt | 45,705 | 2025-12-31 | 16 | USD |
ProceedsFromOtherDebt | 43,000 | 2024-12-31 | 9 | USD |
InterestExpenseRelatedParty | 39,000 | 2023-03-31 | 2 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo | 36,287 | 2025-12-31 | 5 | USD |
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost | 35,255 | 2025-12-31 | 10 | USD |
DividendsPayableCurrent | 29,050 | 2026-06-30 | 43 | USD |
OperatingLeaseLiabilityNoncurrent | 27,368 | 2026-06-30 | 44 | USD |
RepaymentsOfRelatedPartyDebt | 27,000 | 2023-06-30 | 17 | USD |
LineOfCredit | 25,771 | 2021-10-31 | 1 | USD |
Cash | 20,688 | 2026-06-30 | 44 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber | 20,000 | 2021-12-31 | 1 | shares |
PaymentsToAcquireLifeInsurancePolicies | 19,381 | 2026-06-30 | 44 | USD |
Depreciation | 17,207 | 2026-06-30 | 44 | USD |
DepreciationAndAmortization | 17,207 | 2026-06-30 | 66 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearThree | 17,137 | 2025-12-31 | 5 | USD |
CashEquivalentsAtCarryingValue | 16,885 | 2026-06-30 | 44 | USD |
CashUninsuredAmount | 16,885 | 2026-06-30 | 44 | USD |
StockIssuedDuringPeriodValueIssuedForServices | 14,100 | 2024-12-31 | 59 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive | 13,879 | 2021-12-31 | 1 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearFour | 13,879 | 2022-12-31 | 2 | USD |
OtherNotesPayable | 11,436 | 2025-03-31 | 34 | USD |
OtherNotesPayableCurrent | 11,436 | 2025-03-31 | 34 | USD |
OtherLoansPayableCurrent | 11,436 | 2025-03-31 | 11 | USD |
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedNumberOfShares | 10,000 | 2024-06-29 | 23 | shares |
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect | 9,718 | 2026-06-30 | 44 | USD |
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount | 7,884 | 2025-12-31 | 4 | USD |
InterestPayableCurrent | 7,801 | 2022-05-18 | 5 | USD |
OperatingLeasesRentExpenseNet | 7,451 | 2021-09-30 | 3 | USD |
RepaymentsOfLongTermDebtAndCapitalSecurities | 7,215 | 2026-06-30 | 38 | USD |
FinanceLeaseRightOfUseAssetAmortization | 6,628 | 2026-06-30 | 38 | USD |
FinanceLeaseLiability | 6,303 | 2026-06-30 | 38 | USD |
FinanceLeaseLiabilityCurrent | 6,303 | 2026-06-30 | 38 | USD |
ProceedsFromLoans | 5,771 | 2025-09-30 | 1 | USD |
FinanceLeaseRightOfUseAsset | 5,524 | 2026-06-30 | 38 | USD |
ProceedsFromSaleOfPropertyPlantAndEquipment | 5,500 | 2025-12-31 | 23 | USD |
EmployeeStockOwnershipPlanESOPCompensationExpense | 4,325 | 2025-06-30 | 1 | USD |
CommonStockValue | 2,931 | 2026-06-30 | 44 | USD |
FinanceLeaseLiabilityNoncurrent | 2,625 | 2025-09-30 | 33 | USD |
StockRepurchasedAndRetiredDuringPeriodShares | 564 | 2026-07-31 | 14 | shares |
PreferredStockValue | 166 | 2026-06-30 | 36 | USD |
AdjustmentsToAdditionalPaidInCapitalOther | 45 | 2022-12-31 | 4 | USD |
PreferredStockLiquidationPreference | 10 | 2026-06-30 | 22 | USD/shares |
SaleOfStockPricePerShare | 10 | 2022-04-30 | 7 | USD/shares |
DebtInstrumentConvertibleConversionPrice1 | 10 | 2022-04-30 | 6 | USD/shares |
ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1 | 7 | 2025-03-31 | 38 | USD/shares |
SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1 | 7 | 2025-03-31 | 14 | USD/shares |
SharePrice | 2 | 2026-06-30 | 8 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodIntrinsicValue | 2 | 2025-09-30 | 4 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateIntrinsicValue | 2 | 2025-09-30 | 4 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice | 2 | 2025-03-31 | 38 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice | 2 | 2025-03-31 | 14 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice | 2 | 2024-12-31 | 9 | USD/shares |
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice | 1 | 2024-12-31 | 17 | USD/shares |
EarningsPerShareBasic | 0 | 2026-06-30 | 54 | USD/shares |
EffectiveIncomeTaxRateContinuingOperations | 0 | 2025-12-31 | 10 | pure |
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes | 0 | 2025-12-31 | 10 | pure |
EarningsPerShareBasicAndDiluted | 0 | 2021-09-30 | 10 | USD/shares |
EarningsPerShareDiluted | 0 | 2026-06-30 | 54 | USD/shares |
DebtInstrumentInterestRateIncreaseDecrease | 0 | 2026-06-30 | 42 | pure |
DebtInstrumentInterestRateDuringPeriod | 0 | 2023-12-31 | 3 | pure |
DebtInstrumentInterestRateEffectivePercentage | 0 | 2026-06-30 | 10 | pure |
LesseeOperatingLeaseDiscountRate | 0 | 2022-09-30 | 11 | pure |
DebtorInPossessionFinancingInterestRateOnBorrowingsOutstanding | 0 | 2026-06-30 | 22 | pure |
EffectiveIncomeTaxRateReconciliationTaxSettlementsStateAndLocal | 0 | 2025-12-31 | 10 | pure |
EffectiveIncomeTaxRateReconciliationNondeductibleExpense | 0 | 2022-12-31 | 4 | pure |
CommonStockParOrStatedValuePerShare | 0 | 2026-06-30 | 44 | USD/shares |
PreferredStockParOrStatedValuePerShare | 0 | 2026-06-30 | 44 | USD/shares |
OtherLongTermNotesPayable | 0 | 2024-12-31 | 32 | USD |
ProceedsFromIssuanceOrSaleOfEquity | 0 | 2023-12-31 | 13 | USD |
StockOptionPlanExpense | 0 | 2025-12-31 | 56 | USD |
UnrecognizedTaxBenefits | 0 | 2026-06-30 | 14 | USD |
DeferredTaxAssetsValuationAllowance | 0 | 2024-12-31 | 8 | USD |
EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance | 0 | 2025-12-31 | 10 | pure |
IncomeTaxExaminationPenaltiesAndInterestAccrued | 0 | 2026-06-30 | 32 | USD |
IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance | 0 | 2024-12-31 | 8 | USD |
IncomeTaxReconciliationNondeductibleExpense | 0 | 2024-12-31 | 8 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised | 0 | 2024-12-31 | 17 | shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesIssuedInPeriod | 0 | 2024-12-31 | 17 | shares |
GainLossOnDispositionOfAssets | 0 | 2023-12-31 | 16 | USD |
SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueOutstanding | 0 | 2024-12-31 | 21 | USD |
AdjustmentOfWarrantsGrantedForServices | 0 | 2023-12-31 | 10 | USD |
ProceedsFromContributionsFromParent | 0 | 2023-12-31 | 8 | USD |
ProceedsFromIssuanceOfPreferredStockAndPreferenceStock | 0 | 2023-09-30 | 4 | USD |
OtherLoansPayableLongTerm | 0 | 2024-12-31 | 6 | USD |
PreferredStockAmountOfPreferredDividendsInArrears | 0 | 2024-06-30 | 2 | USD |
What to be careful about
What this model itself distrusts about SPFX's figures. Written by the derivation as it ran, not added afterwards.
- presents no operating result, and rebuilding it from the statement missed the reported pre-tax profit by 87.23% of revenue, so it is refused rather than used
- no operating income found in XBRL
- analyst estimate not used: the consensus itself is a loss
- quality DROPPED from the total: only 2 of 5 inputs could be computed (operating margin, roic, cash operating margin not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
- valuation rests on 1 of 2 inputs; not tagged: ev ebit
- durability DROPPED from the total: only 2 of 4 inputs could be computed (contracted coverage, gross margin stability not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
- resilience rests on 2 of 3 inputs; not tagged: interest cover
- growth DROPPED from the total: only 2 of 4 inputs could be computed (margin trend, margin recent not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
- 3 of 5 dimensions could not be measured (quality, durability, growth -- 60% of the model), so this row is not comparable with the others; its total rests on what was left