White Horse, NJ Facts, Population, Income, Demographics, Economy

Cost of Living: March 2019 cost of living index in White Horse: 113.6 (more than average, U.S. average is 100)

Land Area: 3.19 square miles.

Population Density:

Zip Codes: 08610

Median Incomes:
      Estimated median household income in 2017: $83,995 (it was $60,061 in 2000)
      Estimated per capita income in 2017: $38,582 (it was $25,480 in 2000)
      Estimated median house or condo value in 2017: $271,294 (it was $132,600 in 2000) White Horse:$271,294NJ:$334,900

According to the United States Census Bureau, the CDP had a total area of 3.138 square miles (8.129 km2), including 3.074 square miles (7.963 km2) of land and 0.064 square miles (0.167 km2) of water (2.05%).

Goldribbon

Recognitions and Certifications

Accredited Drug Testing has been recognized as one of the "Top 10 drug testing companies" for excellent customer service and we have received TPA Accreditation from the National Drug and Alcohol Screening Association. We are active in all drug testing industry associations and our staff are trained and certified as drug and alcohol testing specialists.

Important Links

National Drug and Alcohol Screening Association (https://ndasa.com/)

National Drug Free Workplace Alliance (https://www.ndwa.org/)

Substance Abuse Program Administrators Association (https://www.sapaa.com/)

Substance Abuse Mental Health Safety Administration (https://www.samhsa.gov/)

US Drug Enforcement Administration (https://www.dea.gov/)

Office of Drug alcohol Policy Control (https://www.transportation.gov/odapc)

White Horse, New Jersey Drug Testing

Drug Testing10panel

10 Panel Drug Test, White Horse, NJ

Accredited Drug Testing provides a 10-panel drug test at testing centers located in White Horse NJ and throughout the local area. Same day service is available, and most testing centers are within minutes of your home or office. DOT drug testing and ETG Alcohol testing is also available.

1544 KUSER RD STE C9 1.3 miles

1544 KUSER RD STE C9
TRENTON, NJ 8619
Categories: TRENTON NJ

1225 Whitehorse Mercerville Rd, Suite 201 1.4 miles

1225 Whitehorse Mercerville Rd, Suite 201
Hamilton, NJ 8619
Categories: Hamilton NJ

1255 WHITEHORSE MERCERVILLE RD 1.5 miles

1255 WHITEHORSE MERCERVILLE RD
MERCERVILLE, NJ 8619
Categories: MERCERVILLE NJ

1670 WHITEHORSE HAMILTON SQUARE RD 1.8 miles

1670 WHITEHORSE HAMILTON SQUARE RD
HAMILTON, NJ 8690
Categories: HAMILTON NJ

2 HAMILTON HEALTH PL 2.3 miles

2 HAMILTON HEALTH PL
HAMILTON, NJ 8690
Categories: HAMILTON NJ

601 HAMILTON AVE 2.9 miles

601 HAMILTON AVE
TRENTON, NJ 8629
Categories: TRENTON NJ

811 HIGHWAY 33 3.1 miles

811 HIGHWAY 33
HAMILTON, NJ 8619
Categories: HAMILTON NJ

2222 HIGHWAY 33 STE H 3.2 miles

2222 HIGHWAY 33 STE H
HAMILTON, NJ 8690
Categories: HAMILTON NJ

1 WASHINGTON BLVD STE A 4.1 miles

1 WASHINGTON BLVD STE A
ROBBINSVILLE, NJ 8691
Categories: ROBBINSVILLE NJ

750 BRUNSWICK AVE 4.2 miles

750 BRUNSWICK AVE
TRENTON, NJ 8638
Categories: TRENTON NJ

832 BRUNSWICK AVE 4.3 miles

832 BRUNSWICK AVE
TRENTON, NJ 8638
Categories: TRENTON NJ

2500 US HIGHWAY 1 4.8 miles

2500 US HIGHWAY 1
LAWRENCEVILLE, NJ 8648
Categories: LAWRENCEVILLE NJ

168 Franklin Corner Rd, Bldg. 2, Suite 1D 6.0 miles

168 Franklin Corner Rd, Bldg. 2, Suite 1D
Lawrenceville, NJ 8648
Categories: Lawrenceville NJ

153 Levittown Pkwy, Suite 5A 7.2 miles

153 Levittown Pkwy, Suite 5A
Levittown, PA 19055
Categories: Levittown PA

PO BOX 233 7.3 miles

PO BOX 233
FAIRLESS HILLS, PA 19030
Categories: FAIRLESS HILLS PA

605 S QUEEN ANNE DR 7.9 miles

605 S QUEEN ANNE DR
FAIRLESS HILLS, PA 19030
Categories: FAIRLESS HILLS PA

380 OXFORD VALLEY RD 8.9 miles

380 OXFORD VALLEY RD
LANGHORNE, PA 19047
Categories: LANGHORNE PA

360 OXFORD VALLEY RD 8.9 miles

360 OXFORD VALLEY RD
LANGHORNE, PA 19047
Categories: LANGHORNE PA

301 OXFORD VALLEY RD STE 1104 8.9 miles

301 OXFORD VALLEY RD STE 1104
YARDLEY, PA 19067
Categories: YARDLEY PA

333 N Oxford Valley Road, Suite 203 8.9 miles

333 N Oxford Valley Road, Suite 203
Fairless Hills, PA 19030
Categories: Fairless Hills PA

586 Middletown Blvd, Suite C-11 9.4 miles

586 Middletown Blvd, Suite C-11
Langhorne, PA 19047
Categories: Langhorne PA

930 TOWN CENTER DR STE G30 9.4 miles

930 TOWN CENTER DR STE G30
LANGHORNE, PA 19047
Categories: LANGHORNE PA

701 FLORAL VALE BLVD STE 701 9.8 miles

701 FLORAL VALE BLVD STE 701
YARDLEY, PA 19067
Categories: YARDLEY PA

304 FLORAL VALE BLVD 9.9 miles

304 FLORAL VALE BLVD
YARDLEY, PA 19067
Categories: YARDLEY PA

200 Commerce Circle, Bristol Park Shopping Center 10.1 miles

200 Commerce Circle, Bristol Park Shopping Center
Bristol, PA 19007
Categories: Bristol PA

1854 VETERANS HWY 10.5 miles

1854 VETERANS HWY
LEVITTOWN, PA 19056
Categories: LEVITTOWN PA

501 BATH RD 10.5 miles

501 BATH RD
BRISTOL, PA 19007
Categories: BRISTOL PA

5 PLAINSBORO RD STE 570 11.2 miles

5 PLAINSBORO RD STE 570
PLAINSBORO, NJ 8536
Categories: PLAINSBORO NJ

2103 MOUNT HOLLY RD 12.1 miles

2103 MOUNT HOLLY RD
BURLINGTON, NJ 8016
Categories: BURLINGTON NJ

601 Ewing St, Suite C-22 12.7 miles

601 Ewing St, Suite C-22
Princeton, NJ 8540
Categories: Princeton NJ

3 LIBERTY ST, Suite 1016 13.1 miles

3 LIBERTY ST, Suite 1016
PLAINSBORO, NJ 8536
Categories: PLAINSBORO NJ

101 BURRS RD BLDG 2 STE A 13.2 miles

101 BURRS RD BLDG 2 STE A
WESTAMPTON, NJ 8060
Categories: WESTAMPTON NJ

811 SUNSET ROAD 13.3 miles

811 SUNSET ROAD
BURLINGTON, NJ 8016
Categories: BURLINGTON NJ

1000 OLDHAM CT 13.4 miles

1000 OLDHAM CT
BENSALEM, PA 19020
Categories: BENSALEM PA

220 Sunset Rd, Suite 5D 13.7 miles

220 Sunset Rd, Suite 5D
Willingboro, NJ 8046
Categories: Willingboro NJ

2966 STREET RD 14.5 miles

2966 STREET RD
BENSALEM, PA 19020
Categories: BENSALEM PA

218A SUNSET RD 14.9 miles

218A SUNSET RD
WILLINGBORO, NJ 8046
Categories: WILLINGBORO NJ

4318 ROUTE 130 14.9 miles

4318 ROUTE 130
WILLINGBORO, NJ 8046
Categories: WILLINGBORO NJ

1613 Route 38, 15.1 miles

1613 Route 38,
Lumberton, NJ 8048
Categories: Lumberton NJ

4105 US HIGHWAY 1 STE 1 15.8 miles

4105 US HIGHWAY 1 STE 1
MONMOUTH JUNCTION, NJ 8852
Categories: MONMOUTH JUNCTION NJ

210 E. Street Road, 3rd Floor, Ste 3D 16.0 miles

210 E. Street Road, 3rd Floor, Ste 3D
Feasterville, PA 19053
Categories: Feasterville PA

4022 Woodhaven Rd, 16.1 miles

4022 Woodhaven Rd,
Philadelphia, PA 19154
Categories: Philadelphia PA

2837 SOUTHAMPTON RD 16.1 miles

2837 SOUTHAMPTON RD
PHILADELPHIA, PA 19154
Categories: PHILADELPHIA PA

2804 SOUTHAMPTON RD 16.1 miles

2804 SOUTHAMPTON RD
PHILADELPHIA, PA 19154
Categories: PHILADELPHIA PA

2 CENTRE DR STE 400 16.1 miles

2 CENTRE DR STE 400
MONROE, NJ 8831
Categories: MONROE NJ

130 Almshouse Rd, 16.8 miles

130 Almshouse Rd,
Richboro, PA 18954
Categories: Richboro PA

10 COSTCO DR 16.9 miles

10 COSTCO DR
MONROE, NJ 8831
Categories: MONROE NJ

10800 KNIGHTS RD STE 206 17.0 miles

10800 KNIGHTS RD STE 206
PHILADELPHIA, PA 19114
Categories: PHILADELPHIA PA

333 Forsgate Drive, Ste 203 17.1 miles

333 Forsgate Drive, Ste 203
Jamesburg, NJ 8831
Categories: Jamesburg NJ

31 TURNBERRY DR 17.8 miles

31 TURNBERRY DR
MANALAPAN, NJ 7726
Categories: MANALAPAN NJ

9808 Bustleton Avenue, 18.8 miles

9808 Bustleton Avenue,
Philadelphia, PA 19115
Categories: Philadelphia PA

1085 CRANBURY SOUTH RIVER RD Ste 2 19.1 miles

1085 CRANBURY SOUTH RIVER RD Ste 2
JAMESBURG, NJ 8831
Categories: JAMESBURG NJ

2417 Welsh Rd, 19.3 miles

2417 Welsh Rd,
Philadelphia, PA 19114
Categories: Philadelphia PA

9331 OLD BUSTLETON AVE STE 102 19.3 miles

9331 OLD BUSTLETON AVE STE 102
PHILADELPHIA, PA 19115
Categories: PHILADELPHIA PA

401 YOUNG AVE URGENT CARE 19.3 miles

401 YOUNG AVE URGENT CARE
MOORESTOWN, NJ 8057
Categories: MOORESTOWN NJ

195 US HIGHWAY 9 STE 213 19.7 miles

195 US HIGHWAY 9 STE 213
MANALAPAN, NJ 7726
Categories: MANALAPAN NJ

1800 BYBERRY RD STE 705 19.8 miles

1800 BYBERRY RD STE 705
HUNTINGDON VALLEY, PA 19006
Categories: HUNTINGDON VALLEY PA

1430 US 130 North, 19.9 miles

1430 US 130 North,
Cinnaminson, NJ 8077
Categories: Cinnaminson NJ

1210 ROUTE 130 N STE 1438 20.2 miles

1210 ROUTE 130 N STE 1438
CINNAMINSON, NJ 8077
Categories: CINNAMINSON NJ

1117 MEARNS RD 20.3 miles

1117 MEARNS RD
WARMINSTER, PA 18974
Categories: WARMINSTER PA

7528 Frankford Ave, 20.5 miles

7528 Frankford Ave,
Philadelphia, PA 19136
Categories: Philadelphia PA

7439 FRANKFORD AVE 2ND FL 20.6 miles

7439 FRANKFORD AVE 2ND FL
PHILADELPHIA, PA 19136
Categories: PHILADELPHIA PA

246 Main Street, Cherry Hill P, Suite 202 20.7 miles

246 Main Street, Cherry Hill P, Suite 202
New Paltz, NY 12561
Categories: New Paltz NY

495 IRON BRIDGE RD STE 7 20.7 miles

495 IRON BRIDGE RD STE 7
FREEHOLD, NJ 7728
Categories: FREEHOLD NJ

620 CRANBURY RD 20.9 miles

620 CRANBURY RD
EAST BRUNSWICK, NJ 8816
Categories: EAST BRUNSWICK NJ

561 CRANBURY RD 20.9 miles

561 CRANBURY RD
EAST BRUNSWICK, NJ 8816
Categories: EAST BRUNSWICK NJ

579 CRANBURY RD STE A 21.0 miles

579 CRANBURY RD STE A
EAST BRUNSWICK, NJ 8816
Categories: EAST BRUNSWICK NJ

175 Route 70, 21.0 miles

175 Route 70,
Medford, NJ 8055
Categories: Medford NJ

Buckingham Green Shopping Cent, 4920 York Rd Unit 2 21.1 miles

Buckingham Green Shopping Cent, 4920 York Rd Unit 2
Holicong, PA 18928
Categories: Holicong PA

260 Mounts Corner Drive, 21.1 miles

260 Mounts Corner Drive,
Freehold, NJ 7728
Categories: Freehold NJ

100 E BROAD ST 21.3 miles

100 E BROAD ST
PALMYRA, NJ 8065
Categories: PALMYRA NJ

6940 State Rd 21.3 miles

6940 State Rd
Philadelphia, PA 19135
Categories: Philadelphia PA

817 E GATE DR STE 102 21.7 miles

817 E GATE DR STE 102
MOUNT LAUREL, NJ 8054
Categories: MOUNT LAUREL NJ

6555 Roosevelt Blvd., 22.0 miles

6555 Roosevelt Blvd.,
Philadelphia, PA 19149
Categories: Philadelphia PA

30 STATE ROUTE 34 N 22.3 miles

30 STATE ROUTE 34 N
COLTS NECK, NJ 7722
Categories: COLTS NECK NJ

9370 N CRESCENT BLVD STE 200 22.3 miles

9370 N CRESCENT BLVD STE 200
PENNSAUKEN, NJ 8110
Categories: PENNSAUKEN NJ

2010 LEVICK ST 22.3 miles

2010 LEVICK ST
PHILADELPHIA, PA 19149
Categories: PHILADELPHIA PA

700 Cottman Ave, 22.3 miles

700 Cottman Ave,
Philadelphia, PA 19111
Categories: Philadelphia PA

111 CHURCH RD 22.3 miles

111 CHURCH RD
MARLTON, NJ 8053
Categories: MARLTON NJ

1468 OLD YORK RD 22.4 miles

1468 OLD YORK RD
ABINGTON, PA 19001
Categories: ABINGTON PA

1419 Old York Rd, 22.5 miles

1419 Old York Rd,
Abington, PA 19001
Categories: Abington PA

49 Veronica Ave, Ste 203 22.5 miles

49 Veronica Ave, Ste 203
Somerset, NJ 8873
Categories: Somerset NJ

50 Franklin Lane, Suite 202 22.6 miles

50 Franklin Lane, Suite 202
Manalapan, NJ 7726
Categories: Manalapan NJ

150 CENTURY PKWY STE B 22.8 miles

150 CENTURY PKWY STE B
MOUNT LAUREL, NJ 8054
Categories: MOUNT LAUREL NJ

60 W MAIN ST, 22.8 miles

60 W MAIN ST,
MAPLE SHADE, NJ 8052
Categories: MAPLE SHADE NJ

4A Eves Drive, Suite 110 22.9 miles

4A Eves Drive, Suite 110
Marlton, NJ 8053
Categories: Marlton NJ

2729 BLAIR MILL RD Ste A 22.9 miles

2729 BLAIR MILL RD Ste A
WILLOW GROVE, PA 19090
Categories: WILLOW GROVE PA

200 Lakeside Dr Ste 230, 23.1 miles

200 Lakeside Dr Ste 230,
Horsham, PA 19044
Categories: Horsham PA

10000 LINCOLN DR E STE 201 23.1 miles

10000 LINCOLN DR E STE 201
MARLTON, NJ 8053
Categories: MARLTON NJ

403 US HIGHWAY 202 23.2 miles

403 US HIGHWAY 202
FLEMINGTON, NJ 8822
Categories: FLEMINGTON NJ

16000 HORIZON WAY STE 600 23.2 miles

16000 HORIZON WAY STE 600
MOUNT LAUREL, NJ 8054
Categories: MOUNT LAUREL NJ

1432 EASTON RD STE 3C 23.2 miles

1432 EASTON RD STE 3C
WARRINGTON, PA 18976
Categories: WARRINGTON PA

6129 PALMETTO ST 23.3 miles

6129 PALMETTO ST
PHILADELPHIA, PA 19111
Categories: PHILADELPHIA PA

Cloverly Plaza, 628 Old York Road 23.3 miles

Cloverly Plaza, 628 Old York Road
Jenkintown, PA 19046
Categories: Jenkintown PA

6 FELLEN PL 23.4 miles

6 FELLEN PL
HILLSBOROUGH, NJ 8844
Categories: HILLSBOROUGH NJ

303 OMNI DR 23.4 miles

303 OMNI DR
HILLSBOROUGH, NJ 8844
Categories: HILLSBOROUGH NJ

1020 Route 18, Unit 007 - Route 18 Shopping C 23.4 miles

1020 Route 18, Unit 007 - Route 18 Shopping C
East Brunswick, NJ 8816
Categories: East Brunswick NJ

12000 LINCOLN DR W UNIT 308 23.4 miles

12000 LINCOLN DR W UNIT 308
MARLTON, NJ 8053
Categories: MARLTON NJ

108 LACEY RD STE 38 23.5 miles

108 LACEY RD STE 38
WHITING, NJ 8759
Categories: WHITING NJ

2322 ROUTE 38 23.7 miles

2322 ROUTE 38
CHERRY HILL, NJ 8002
Categories: CHERRY HILL NJ

418 STATE ROUTE 18 23.9 miles

418 STATE ROUTE 18
EAST BRUNSWICK, NJ 8816
Categories: EAST BRUNSWICK NJ

275 S MAIN ST STE 4 23.9 miles

275 S MAIN ST STE 4
DOYLESTOWN, PA 18901
Categories: DOYLESTOWN PA

5000 FRANKFORD AVE Wakling Building 23.9 miles

5000 FRANKFORD AVE Wakling Building
PHILADELPHIA, PA 19124
Categories: PHILADELPHIA PA

201 PRECISION RD 24.0 miles

201 PRECISION RD
HORSHAM, PA 19044
Categories: HORSHAM PA

4501 Castor Ave, 24.1 miles

4501 Castor Ave,
Philadelphia, PA 19124
Categories: Philadelphia PA

5675 N Front St, Store 260 24.2 miles

5675 N Front St, Store 260
Philadelphia, PA 19120
Categories: Philadelphia PA

309 Walter E Foran Blvd, 24.4 miles

309 Walter E Foran Blvd,
Flemington, NJ 8822
Categories: Flemington NJ

1040 Kings Hwy, Suite 102 24.5 miles

1040 Kings Hwy, Suite 102
Cherry Hill, NJ 8034
Categories: Cherry Hill NJ

149 STATE ROUTE 31 24.7 miles

149 STATE ROUTE 31
FLEMINGTON, NJ 8822
Categories: FLEMINGTON NJ

1601 N KINGS HWY, STE 100 24.9 miles

1601 N KINGS HWY, STE 100
CHERRY HILL, NJ 8034
Categories: CHERRY HILL NJ

636 EASTON AVE 25.0 miles

636 EASTON AVE
SOMERSET, NJ 8873
Categories: SOMERSET NJ

Urine drug testing is the most common and customizable screening method available in the drug testing world. Many times, drug tests are ordered from companies, courts, or individuals without knowing what drug panel is needing to be analyzed.

The most common drug panel options include the 5,10, 12, 14 and 17 panel drug tests but we also offer specialized and customized panels based on your specific need and we are here to discuss exactly what is tested in each type of drug test panel.

Urine or Hair Drug Testing in White Horse, NJ - You Choose!

The detection period for a urine drug test is 1-5 days. However, hair drug testing is becoming more common because the detection period for a standard hair test can be up to 90 days. You must have at least an inch and a half of hair (1.5 inches) on your head or body hair may be used when conducting a hair drug test.

Facts About 10 Panel Drug Test

  • The most cost-effective option in the workplace
  • Most common and customizable screening method
  • Detects recent drug use
  • Available in instant or lab based testing options

Remember that many opioid addictions lead to further drug use, including heroin, so you may find that a standard 5 and 10 panel is not fulfilling your needs. In this case, consider a 12-panel drug test, which tests for additional opiates and painkillers that would not show up on a test with fewer panels.

A urine drug test detects recent drug use and is currently the only testing method that is approved for federally mandated drug testing.(5 panel DOT drug Test) Urine testing is appropriate for all testing reasons, from pre-employment to random to post-accident - and can be performed for a wide range of illicit and prescription drugs.

What drug are tested for in a 10 Panel Drug Test?

The drugs tested in a10 panel urine drug test include:

  • Amphetamines
  • Barbiturates
  • Benzodiazepines
  • Cocaine
  • Marijuana
  • MDA
  • Methadone
  • Methaqualone
  • Opiates
  • PCP
  • Propoxyphene

The standard 10 panel drug test is typically collected at a collection site and analyzed at a SAMHSA Certified Laboratory. If you need a rapid results test, the 10 panel is available for a rapid result in most areas Nationwide. Results for a rapid results test are typically available the same business day (for negative results) and if a non-negative result exist, we send the specimen to the lab to perform confirmation testing at no additional charge.

What is a drug test?

A drug test is a technical analysis of a biological specimen such as urine, hair, blood, breath, finger nail and oral fluid/saliva. The common procedure for a drug test is to have a donor provide a specimen to a drug testing collection specialist, complete a chain of custody form and then the collector will send by carrier the specimen to a laboratory for analysis and a determination if the specimen is negative or positive. Although there many laboratories in the United States which provide drug testing analysis, it is recommended that only a laboratory that is SAMHSA Certified is to be used when determining a drug testing result.

Does passive smoke inhalation cause a false positive for marijuana?

"Passive" smoke inhalation from being in a room with people smoking marijuana is not considered valid, as the cut-off concentrations for lab analysis are set well above that which might occur for passive inhalation.

Other abnormalities in the urine screen may indicate that results may be a false negative or that there was deliberate adulteration of the sample. For example:

  • a low creatinine lab value can indicate that a urine sample was tampered with; either the subject diluted their urine by consuming excessive water just prior to testing, or water was added to the urine sample.
  • creatinine levels are often used in conjunction with specific gravity to determine if samples have been diluted. To help avoid this problem, the testing lab may color the water in their toilet blue to prevent the sample being diluted with water from the toilet.
  • subjects may also attempt to add certain enzymes to the urine sample to affect stability, but this often changes the pH, which is also tested.

How long do drugs stay in your system?

The window of detection or often times referred to as look back period of a drug test depend on several factors. Some of the factors impacting how long a drug will stay in your system are:

  • The amount of the drug taken
  • The frequency of the drug taken
  • The type of drug taken
  • An individual's body metabolic rate and general health
  • The amount of fluids consumed since ingesting the drug
  • The amount of exercise since ingesting the drug
  • Other genetic variations that would impact an individual's response to a specific drug

In the case of life-threatening symptoms, unconsciousness, or bizarre behavior in an emergency situation, screening for common drugs and toxins may help find the cause, called a toxicology test or tox screen to denote the broader area of possible substances beyond just self-administered drugs. These tests can also be done post-mortem during an autopsy in cases where a death was not expected. The test is usually done within 96 h (4 days) after the desire for the test is realized. Both a urine sample and a blood sample may be tested.

ADT offers 10 panel urine drug tests in White Horse, NJ.
Don't see your location, call us today at (800) 221-4291 (800) 221-4291

White Horse Drug Testing locations

To schedule a 5, 10, 12, 14 or 17 panel urine or hair drug test at a testing center in White Horse NJ, please call (800) 221-4291 or schedule online.

Local White Horse Information

Show Regional Data

Cost of Living: March 2019 cost of living index in White Horse: 113.6 (more than average, U.S. average is 100)

Land Area: 3.19 square miles.

Population Density:

Zip Codes: 08610

Median Incomes:
      Estimated median household income in 2017: $83,995 (it was $60,061 in 2000)
      Estimated per capita income in 2017: $38,582 (it was $25,480 in 2000)
      Estimated median house or condo value in 2017: $271,294 (it was $132,600 in 2000) White Horse:$271,294NJ:$334,900

According to the United States Census Bureau, the CDP had a total area of 3.138 square miles (8.129 km2), including 3.074 square miles (7.963 km2) of land and 0.064 square miles (0.167 km2) of water (2.05%).