PTL vs. USNZ ETF Comparison

Comparison of Northern Lights Fund Trust IV Inspire 500 ETF (PTL) to Xtrackers Net Zero Pathway Paris Aligned US Equity ETF (USNZ)

PTL

Northern Lights Fund Trust IV Inspire 500 ETF

PTL Description

PTL is passively managed to invest in US large-cap stocks that align with the issuer's definition of biblical values and positive impact on the world, measured using various environmental, social, and governance criteria. The index provider analyzes publicly available and third-party data to assign a proprietary Impact Score to each eligible stock. The methodology excludes stocks with any degree of involvement in activities such as abortion, gambling, alcohol, tobacco, cannabis, stem cell research, in vitro fertilization, pornography, rights violations, and LGBT activism. The remaining stocks are scored based on how well they align with the issuer's values, considering factors including business ethics, employee wellbeing, customer welfare, product safety, ecological impact, and GHG emissions. The index selects the 500 highest-scoring stocks and weights them by market capitalization. Index components are reconstituted and rebalanced annually.

Grade (RS Rating)

Last Trade

$224.62

Average Daily Volume

7,636

Number of Holdings ^*

478

* may have additional holdings in another (foreign) market

USNZ

Xtrackers Net Zero Pathway Paris Aligned US Equity ETF

USNZ Description

Xtrackers Net Zero Pathway Paris Aligned US Equity ETF is an exchange traded fund launched and managed by DBX Advisors LLC. The fund invests in public equity markets of the United States. The fund invests in stocks of companies operating across diversified sectors. The fund invests in growth and value stocks of companies across diversified market capitalization. It invests in stocks of companies that are deemed socially conscious in their business dealings and directly promote environmental responsibility. The fund seeks to track the performance of the Solactive ISS ESG United States Net Zero Pathway Enhanced Index, by using full replication technique. The fund does not invest in companies operating across controversial weapons, exhibit poor overall ESG performance, fossil fuels, oil sands, hydraulic fracturing and shale oil/gas, artic or deep water drilling, tobacco, weapons and firearms, alcohol, gambling, adult entertainment or recreational cannabis. Xtrackers Net Zero Pathway Paris Aligned US Equity ETF is domiciled in the United States.

Grade (RS Rating)

Last Trade

$37.91

Average Daily Volume

6,669

Number of Holdings ^*

332

* may have additional holdings in another (foreign) market

Performance

Period	PTL	USNZ
30 Days	5.09%	1.39%
60 Days	5.71%	2.90%
90 Days	7.67%	3.59%
12 Months		30.67%

129 Overlapping Holdings

Symbol	Grade	Weight in PTL	Weight in USNZ	Overlap
ADM	D	0.18%	0.0%	0.0%
ADP	B	0.86%	0.26%	0.26%
AFL	B	0.42%	0.11%	0.11%
AIG	B	0.34%	0.09%	0.09%
ALGN	D	0.12%	0.12%	0.12%
ANET	C	0.83%	0.29%	0.29%
ARE	D	0.13%	0.13%	0.13%
AVGO	D	5.22%	1.67%	1.67%
AWK	D	0.19%	0.49%	0.19%
AZO	C	0.35%	0.23%	0.23%
BAX	D	0.12%	0.12%	0.12%
CAG	D	0.09%	0.09%	0.09%
CBOE	B	0.16%	0.05%	0.05%
CCI	D	0.31%	0.2%	0.2%
CDW	F	0.16%	0.05%	0.05%
CINF	A	0.16%	0.04%	0.04%
COIN	C	0.54%	0.12%	0.12%
COR	B	0.34%	0.17%	0.17%
CPAY	A	0.18%	0.06%	0.06%
CPB	D	0.1%	0.1%	0.1%
CPRT	A	0.37%	0.21%	0.21%
CSGP	D	0.23%	0.06%	0.06%
CTAS	B	0.61%	0.17%	0.17%
DAL	C	0.27%	0.17%	0.17%
DDOG	A	0.32%	0.07%	0.07%
DHI	D	0.39%	0.19%	0.19%
DLR	B	0.43%	0.24%	0.24%
DOC	D	0.1%	0.14%	0.1%
DOV	A	0.19%	0.13%	0.13%
DOX	D	0.07%	0.02%	0.02%
DXCM	D	0.23%	0.13%	0.13%
EFX	F	0.22%	0.07%	0.07%
ELV	F	0.67%	0.19%	0.19%
ENPH	F	0.06%	0.08%	0.06%
EQR	B	0.2%	0.16%	0.16%
ESS	B	0.14%	0.15%	0.14%
EW	C	0.3%	0.16%	0.16%
EXPD	D	0.11%	0.12%	0.11%
EXR	D	0.25%	0.19%	0.19%
FAST	B	0.33%	0.23%	0.23%
FDX	B	0.55%	0.22%	0.22%
FICO	B	0.39%	0.12%	0.12%
FTNT	C	0.48%	0.12%	0.12%
GEHC	F	0.26%	0.18%	0.18%
GEN	B	0.12%	0.04%	0.04%
GFS	C	0.16%	0.06%	0.06%
GPC	D	0.12%	0.12%	0.12%
HD	A	2.69%	0.89%	0.89%
HOLX	D	0.13%	0.14%	0.13%
IBKR	A	0.53%	0.05%	0.05%
ICE	C	0.62%	0.19%	0.19%
IDXX	F	0.25%	0.16%	0.16%
IFF	D	0.16%	0.12%	0.12%
INCY	C	0.1%	0.16%	0.1%
INVH	D	0.15%	0.14%	0.14%
IP	B	0.15%	0.06%	0.06%
IQV	D	0.26%	0.07%	0.07%
ISRG	A	1.34%	0.52%	0.52%
JBHT	C	0.13%	0.14%	0.13%
KEYS	A	0.2%	0.16%	0.16%
KLAC	D	0.58%	0.25%	0.25%
LEN	D	0.33%	0.19%	0.19%
LEN	D	0.33%	0.05%	0.05%
LH	C	0.14%	0.05%	0.05%
LOW	D	1.01%	0.38%	0.38%
MAA	B	0.13%	0.15%	0.13%
MAS	D	0.12%	0.12%	0.12%
MCHP	D	0.24%	0.13%	0.13%
MDB	C	0.15%	0.04%	0.04%
MKC	D	0.15%	0.15%	0.15%
MKL	A	0.15%	0.04%	0.04%
MLM	B	0.25%	0.16%	0.16%
MPWR	F	0.19%	0.12%	0.12%
MRVL	B	0.57%	0.25%	0.25%
MSCI	C	0.31%	0.1%	0.1%
MTD	D	0.17%	0.15%	0.15%
NET	B	0.23%	0.06%	0.06%
NTAP	C	0.17%	0.13%	0.13%
NUE	C	0.24%	0.08%	0.08%
NVR	D	0.19%	0.16%	0.16%
ODFL	B	0.33%	0.22%	0.22%
OKTA	C	0.09%	0.03%	0.03%
ON	D	0.21%	0.14%	0.14%
ORLY	B	0.47%	0.27%	0.27%
OTIS	C	0.25%	0.18%	0.18%
PANW	C	0.89%	0.26%	0.26%
PAYX	C	0.35%	0.1%	0.1%
PCAR	B	0.4%	0.13%	0.13%
PGR	A	1.06%	0.3%	0.3%
PHM	D	0.19%	0.16%	0.16%
PKG	A	0.15%	0.16%	0.15%
PLD	D	0.76%	0.32%	0.32%
PSA	D	0.4%	0.23%	0.23%
QCOM	F	1.24%	0.45%	0.45%
REGN	F	0.63%	0.25%	0.25%
RF	A	0.17%	0.02%	0.02%
RKT	F	0.2%	0.01%	0.01%
RMD	C	0.25%	0.2%	0.2%
ROL	B	0.17%	0.04%	0.04%
RPRX	D	0.11%	0.13%	0.11%
SBAC	D	0.16%	0.17%	0.16%
SCCO	F	0.52%	0.1%	0.1%
SHW	A	0.65%	0.31%	0.31%
SMCI	F	0.11%	0.04%	0.04%
SNA	A	0.13%	0.16%	0.13%
SNOW	C	0.3%	0.08%	0.08%
SNPS	B	0.6%	0.17%	0.17%
SPG	B	0.41%	0.24%	0.24%
SSNC	B	0.13%	0.03%	0.03%
STE	F	0.15%	0.15%	0.15%
SWKS	F	0.09%	0.09%	0.09%
SYY	B	0.24%	0.18%	0.18%
TER	D	0.12%	0.09%	0.09%
TSCO	D	0.19%	0.12%	0.12%
TSN	B	0.16%	0.0%	0.0%
TTD	B	0.43%	0.11%	0.11%
TTWO	A	0.23%	0.06%	0.06%
UPS	C	0.77%	0.29%	0.29%
VEEV	C	0.25%	0.07%	0.07%
VRSK	A	0.28%	0.09%	0.09%
VTR	C	0.18%	0.18%	0.18%
WDC	D	0.15%	0.08%	0.08%
WELL	A	0.58%	0.31%	0.31%
WM	A	0.6%	0.28%	0.28%
WRB	A	0.16%	0.03%	0.03%
WST	C	0.16%	0.16%	0.16%
WY	D	0.16%	0.15%	0.15%
YUM	B	0.25%	0.05%	0.05%
ZS	C	0.22%	0.04%	0.04%

PTL Overweight 350 Positions Relative to USNZ

Symbol	Grade	Weight
XOM	B	3.74%
LIN	D	1.49%
CAT	B	1.22%
NEE	D	1.08%
PLTR	B	0.98%
APP	B	0.76%
GEV	B	0.62%
PH	A	0.61%
APH	A	0.6%
MSTR	C	0.58%
EOG	A	0.56%
EMR	A	0.5%
OKE	A	0.48%
CSX	B	0.47%
RSG	A	0.46%
SLB	C	0.44%
KMI	A	0.43%
ROP	B	0.42%
NSC	B	0.42%
CEG	D	0.41%
FANG	D	0.4%
FCX	D	0.4%
MNST	C	0.37%
URI	B	0.37%
NEM	D	0.35%
LNG	B	0.35%
VLO	C	0.33%
PWR	A	0.33%
OXY	D	0.33%
CVNA	B	0.33%
VRT	B	0.33%
KVUE	A	0.32%
TRGP	B	0.32%
BKR	B	0.31%
AME	A	0.31%
PCG	A	0.31%
PEG	A	0.3%
CPNG	D	0.3%
IR	B	0.29%
VST	B	0.29%
VMC	B	0.26%
EXC	C	0.26%
FCNCA	A	0.24%
TPL	A	0.24%
OWL	A	0.23%
ED	D	0.23%
WEC	A	0.22%
BRO	B	0.22%
ETR	B	0.22%
IOT	A	0.21%
ANSS	B	0.21%
HAL	C	0.2%
TW	A	0.2%
LYB	F	0.19%
DECK	A	0.19%
DVN	F	0.18%
VLTO	D	0.18%
TYL	B	0.18%
EME	C	0.17%
DTE	C	0.17%
ATO	A	0.16%
TKO	B	0.16%
TOST	B	0.16%
LII	A	0.16%
AFRM	B	0.16%
FE	C	0.16%
HUBB	B	0.16%
AEE	A	0.16%
BLDR	D	0.15%
STLD	B	0.15%
WSM	B	0.15%
ERIE	D	0.15%
ES	D	0.15%
WSO	A	0.15%
CSL	C	0.14%
FSLR	F	0.14%
CTRA	B	0.14%
CNP	B	0.14%
UI	A	0.14%
CMS	C	0.14%
NTNX	A	0.13%
XPO	B	0.13%
L	A	0.13%
PODD	C	0.13%
CHWY	B	0.12%
USFD	A	0.12%
IEX	B	0.12%
DG	F	0.12%
TRMB	B	0.12%
SUI	D	0.12%
NWSA	B	0.12%
RS	B	0.12%
MRO	B	0.12%
OC	A	0.12%
CRBG	B	0.12%
NRG	B	0.12%
RYAN	B	0.12%
MOH	F	0.12%
RPM	A	0.12%
CASY	A	0.11%
DOCU	A	0.11%
RGA	A	0.11%
FLEX	A	0.11%
SMMT	D	0.11%
TOL	B	0.11%
COHR	B	0.11%
ENTG	D	0.11%
GWRE	A	0.11%
BSY	D	0.11%
UTHR	C	0.11%
JEF	A	0.11%
CF	B	0.11%
J	F	0.11%
WLK	D	0.11%
FIX	A	0.11%
NI	A	0.11%
MANH	D	0.11%
CLH	B	0.1%
POOL	C	0.1%
SFM	A	0.1%
RVTY	F	0.1%
ELS	C	0.1%
UHS	D	0.1%
FFIV	B	0.1%
REG	B	0.1%
AGR	B	0.1%
DLTR	F	0.1%
AMH	D	0.1%
NDSN	B	0.1%
GGG	B	0.1%
THC	D	0.1%
EVRG	A	0.1%
EWBC	A	0.1%
UDR	B	0.1%
DT	C	0.1%
SAIA	B	0.1%
KMX	B	0.09%
TXRH	C	0.09%
JKHY	D	0.09%
SOLV	C	0.09%
SCI	B	0.09%
WPC	D	0.09%
BG	F	0.09%
PFGC	B	0.09%
OVV	B	0.09%
HST	C	0.09%
INSM	C	0.09%
LAMR	D	0.09%
BXP	D	0.09%
PR	B	0.09%
SN	D	0.09%
HLI	B	0.09%
PAYC	B	0.09%
NBIX	C	0.09%
CPT	B	0.09%
CW	B	0.09%
EPAM	C	0.09%
EDR	A	0.09%
JBL	B	0.09%
DVA	B	0.09%
MUSA	A	0.08%
PCTY	B	0.08%
AA	B	0.08%
FND	C	0.08%
BLD	D	0.08%
CUBE	D	0.08%
KNSL	B	0.08%
ATR	B	0.08%
MTZ	B	0.08%
PCVX	D	0.08%
ACI	C	0.08%
GMED	A	0.08%
BJ	A	0.08%
FHN	A	0.08%
LECO	B	0.08%
LW	C	0.08%
MEDP	D	0.08%
PPC	C	0.08%
SF	B	0.08%
EVR	B	0.08%
JNPR	F	0.08%
AFG	A	0.08%
RRX	B	0.08%
ITT	A	0.08%
CHRW	C	0.08%
UHAL	D	0.08%
ALB	C	0.08%
BIO	D	0.07%
ITCI	C	0.07%
LAD	A	0.07%
BRBR	A	0.07%
ALSN	B	0.07%
RBC	A	0.07%
FRT	B	0.07%
EHC	B	0.07%
PNFP	B	0.07%
AYI	B	0.07%
RVMD	C	0.07%
AOS	F	0.07%
REXR	F	0.07%
RGLD	C	0.07%
CACI	D	0.07%
ORI	A	0.07%
PRI	A	0.07%
PEN	B	0.07%
KNTK	B	0.07%
WING	D	0.07%
WMS	D	0.07%
AR	B	0.07%
CFLT	B	0.07%
DTM	B	0.07%
UWMC	D	0.07%
GNRC	B	0.07%
GL	B	0.07%
AAON	B	0.07%
WAL	B	0.07%
CR	A	0.07%
AIT	A	0.07%
HLNE	B	0.07%
MLI	C	0.07%
PCOR	B	0.07%
LBRDA	C	0.07%
EXP	A	0.07%
MKTX	D	0.07%
EXEL	B	0.07%
WCC	B	0.07%
OHI	C	0.07%
SEIC	B	0.07%
PAG	B	0.07%
COKE	C	0.07%
PNW	B	0.07%
GTLB	B	0.07%
GME	C	0.07%
WBS	A	0.07%
TTEK	F	0.07%
BWXT	B	0.07%
WTRG	B	0.07%
CCK	C	0.07%
APG	B	0.07%
TREX	C	0.06%
NNN	D	0.06%
ONTO	D	0.06%
RLI	B	0.06%
BRKR	D	0.06%
BERY	B	0.06%
OLED	D	0.06%
PB	A	0.06%
INFA	D	0.06%
CHE	D	0.06%
TTC	D	0.06%
RRC	B	0.06%
SSB	B	0.06%
APPF	B	0.06%
MHK	D	0.06%
OGE	B	0.06%
CHRD	D	0.06%
EGP	F	0.06%
APA	D	0.06%
AUR	C	0.06%
FYBR	D	0.06%
DINO	D	0.06%
HESM	B	0.06%
HQY	B	0.06%
ENSG	D	0.06%
MTSI	B	0.06%
AXTA	A	0.06%
CRS	A	0.06%
PLNT	A	0.06%
GPK	C	0.06%
SUM	B	0.06%
ALTR	B	0.06%
WTFC	A	0.06%
FLR	B	0.06%
ROIV	C	0.06%
ZION	B	0.06%
DCI	B	0.06%
KNX	B	0.06%
FBIN	D	0.06%
CIEN	B	0.06%
FOUR	B	0.06%
CFR	B	0.06%
BRX	A	0.06%
S	B	0.06%
TPX	B	0.06%
ESTC	C	0.06%
CNM	D	0.06%
SITE	D	0.05%
AN	C	0.05%
AMKR	D	0.05%
COLD	D	0.05%
CGNX	C	0.05%
MTH	D	0.05%
SATS	D	0.05%
NUVL	D	0.05%
AGCO	D	0.05%
WFRD	D	0.05%
WSC	D	0.05%
GNTX	C	0.05%
STAG	F	0.05%
SPSC	C	0.05%
WTS	B	0.05%
CELH	F	0.05%
STWD	C	0.05%
ATI	D	0.05%
NPAB	B	0.05%
HCP	B	0.05%
PATH	C	0.05%
FCN	D	0.05%
FR	C	0.05%
MTN	C	0.05%
MSA	D	0.05%
BWA	D	0.05%
LSCC	D	0.05%
WEX	D	0.05%
RHI	B	0.05%
AM	A	0.05%
GAP	C	0.05%
DLB	B	0.05%
TMHC	B	0.05%
JAZZ	B	0.05%
KBR	F	0.05%
BOKF	B	0.05%
MIDD	C	0.05%
SSD	D	0.05%
GKOS	B	0.05%
LPX	B	0.05%
MKSI	C	0.05%
ADC	B	0.05%
VNO	B	0.05%
FRPT	B	0.05%
AGNC	D	0.05%
RGEN	D	0.05%
G	B	0.05%
KEX	C	0.05%
U	C	0.05%
UFPI	B	0.05%
SAIC	F	0.04%
IBP	D	0.04%
ESNT	D	0.04%
LNTH	D	0.04%
TRNO	F	0.04%
ARW	D	0.04%
VKTX	F	0.04%
LSTR	D	0.04%
ELAN	D	0.04%
QRVO	F	0.04%
BFAM	D	0.04%
POST	C	0.04%
ACHC	F	0.03%
LCID	F	0.03%

PTL Underweight 203 Positions Relative to USNZ

Symbol	Grade	Weight
AAPL	C	-8.59%
MSFT	F	-8.14%
NVDA	C	-7.67%
META	D	-3.18%
GOOGL	C	-2.1%
GOOG	C	-1.89%
LLY	F	-1.45%
JPM	A	-1.42%
UNH	C	-1.11%
V	A	-1.01%
PG	A	-0.89%
MA	C	-0.89%
JNJ	D	-0.85%
ABBV	D	-0.72%
NFLX	A	-0.72%
CRM	B	-0.64%
BAC	A	-0.63%
ORCL	B	-0.6%
CSCO	B	-0.59%
MRK	F	-0.59%
KO	D	-0.59%
EIX	B	-0.56%
PEP	F	-0.56%
TMO	F	-0.53%
ABT	B	-0.52%
AMD	F	-0.52%
WFC	A	-0.51%
ACN	C	-0.5%
ADBE	C	-0.48%
TXN	C	-0.47%
MCD	D	-0.44%
DHR	F	-0.43%
NOW	A	-0.43%
AMGN	D	-0.42%
DIS	B	-0.41%
BMY	B	-0.4%
GS	A	-0.4%
PFE	D	-0.4%
INTU	C	-0.39%
UBER	D	-0.39%
GILD	C	-0.38%
AMAT	F	-0.38%
BSX	B	-0.38%
VRTX	F	-0.36%
SYK	C	-0.36%
BKNG	A	-0.35%
VZ	C	-0.35%
AXP	A	-0.35%
CMCSA	B	-0.35%
MS	A	-0.35%
SPGI	C	-0.34%
MDT	D	-0.34%
BLK	C	-0.33%
T	A	-0.32%
ADI	D	-0.3%
DE	A	-0.29%
INTC	D	-0.29%
DASH	A	-0.29%
AMT	D	-0.29%
MU	D	-0.29%
MSI	B	-0.29%
EQIX	A	-0.29%
NKE	D	-0.29%
MELI	D	-0.29%
FI	A	-0.27%
LRCX	F	-0.27%
MDLZ	F	-0.27%
ZTS	D	-0.27%
C	A	-0.26%
MCK	B	-0.25%
SCHW	B	-0.25%
CB	C	-0.24%
BDX	F	-0.24%
CVS	D	-0.24%
MMC	B	-0.23%
ECL	D	-0.23%
TMUS	B	-0.23%
KKR	A	-0.22%
CL	D	-0.22%
TGT	F	-0.21%
O	D	-0.21%
LULU	C	-0.2%
EBAY	D	-0.19%
VICI	C	-0.19%
GRMN	B	-0.19%
CTVA	C	-0.19%
PYPL	B	-0.19%
GWW	B	-0.19%
IRM	D	-0.19%
WAT	B	-0.18%
USCA	A	-0.18%
ILMN	D	-0.18%
AVB	B	-0.18%
MCO	B	-0.17%
CDNS	B	-0.17%
K	A	-0.17%
ALNY	D	-0.17%
CMG	B	-0.17%
KDP	D	-0.17%
KMB	D	-0.17%
CI	F	-0.17%
CME	A	-0.17%
ZBRA	B	-0.16%
GM	B	-0.16%
AON	A	-0.16%
CHD	B	-0.16%
GIS	D	-0.16%
CRWD	B	-0.16%
GLW	B	-0.16%
CLX	B	-0.16%
PNC	B	-0.16%
APO	B	-0.15%
HSY	F	-0.15%
ZBH	C	-0.15%
UAL	A	-0.15%
AJG	B	-0.14%
ADSK	A	-0.14%
ULTA	F	-0.14%
HCA	F	-0.14%
PPG	F	-0.14%
SPOT	B	-0.14%
USB	A	-0.14%
ABNB	C	-0.13%
HPQ	B	-0.13%
KHC	F	-0.13%
BK	A	-0.13%
WDAY	B	-0.12%
TFC	A	-0.12%
BALL	D	-0.12%
WAB	B	-0.12%
AVTR	F	-0.12%
CARR	D	-0.12%
JCI	C	-0.12%
BIIB	F	-0.12%
LUV	C	-0.11%
TRV	B	-0.11%
BMRN	D	-0.11%
COF	B	-0.11%
STX	D	-0.11%
SQ	B	-0.1%
EL	F	-0.1%
DFS	B	-0.1%
APTV	D	-0.1%
CAH	B	-0.1%
FIS	C	-0.1%
AMP	A	-0.1%
A	D	-0.09%
F	C	-0.09%
ARM	D	-0.09%
HUM	C	-0.08%
ARES	A	-0.08%
MET	A	-0.08%
CHTR	C	-0.08%
EA	A	-0.08%
CTSH	B	-0.08%
TEAM	A	-0.08%
HRL	D	-0.08%
IT	C	-0.08%
BBY	D	-0.08%
FITB	A	-0.07%
STT	A	-0.07%
ALL	A	-0.07%
PRU	A	-0.07%
WTW	B	-0.07%
RJF	A	-0.07%
HUBS	A	-0.07%
CNC	D	-0.07%
NDAQ	A	-0.07%
GPN	B	-0.07%
ACGL	D	-0.07%
EXPE	B	-0.06%
MTB	A	-0.06%
HBAN	A	-0.06%
TROW	B	-0.06%
MRNA	F	-0.06%
SYF	B	-0.06%
CBRE	B	-0.06%
WBD	C	-0.05%
TRU	D	-0.05%
BR	A	-0.05%
HIG	B	-0.05%
RBLX	C	-0.05%
NTRS	A	-0.05%
DGX	A	-0.04%
PINS	D	-0.04%
OMC	C	-0.04%
ZM	B	-0.04%
LYV	A	-0.04%
CFG	B	-0.03%
KEY	B	-0.03%
PFG	D	-0.03%
AKAM	D	-0.03%
DPZ	C	-0.03%
VRSN	F	-0.03%
EG	C	-0.02%
FNF	B	-0.02%
FOXA	B	-0.02%
SNAP	C	-0.02%
SIRI	C	-0.01%
PABU	A	-0.01%
FOX	A	-0.01%
WMG	C	-0.01%
TT	A	-0.0%