Gyl Financial Synergies

Gyl Financial Synergies as of March 31, 2023

Portfolio Holdings for Gyl Financial Synergies

Gyl Financial Synergies holds 282 positions in its portfolio as reported in the March 2023 quarterly 13F filing

Company (Ticker) Portfolio Weight Valued At Change in Shares Share Count Share Price
Ishares Tr Msci Usa Qlt Fct (QUAL) 9.7 $81M 654k 124.07
Invesco Exchange Traded Fd T S&p500 Eql Wgt (RSP) 5.1 $42M 292k 144.62
Microsoft Corporation (MSFT) 3.2 $27M 92k 288.30
Apple (AAPL) 2.3 $19M 116k 164.90
Vanguard Specialized Funds Div App Etf (VIG) 2.1 $18M 116k 154.01
JPMorgan Chase & Co. (JPM) 2.1 $18M 135k 130.31
Procter & Gamble Company (PG) 2.1 $17M 117k 148.69
Spdr S&p 500 Etf Tr Tr Unit (SPY) 2.0 $17M 41k 409.39
Spdr S&p Midcap 400 Etf Tr Utser1 S&pdcrp (MDY) 1.8 $15M 33k 458.42
Goldman Sachs (GS) 1.8 $15M 45k 327.11
Philip Morris International (PM) 1.6 $14M 141k 97.25
Chevron Corporation (CVX) 1.6 $13M 81k 163.16
Merck & Co (MRK) 1.5 $13M 119k 106.39
Select Sector Spdr Tr Energy (XLE) 1.5 $13M 153k 82.83
Ishares Tr Us Sml Cap Eqt (SMLF) 1.5 $12M 237k 51.26
Berkshire Hathaway Inc Del Cl B New (BRK.B) 1.5 $12M 39k 308.77
Iqvia Holdings (IQV) 1.4 $12M 60k 198.89
Alphabet Cap Stk Cl A (GOOGL) 1.3 $11M 107k 103.73
Zimmer Holdings (ZBH) 1.3 $11M 84k 129.20
Pfizer (PFE) 1.3 $11M 266k 40.80
Ishares Msci Emrg Chn (EMXC) 1.3 $11M 219k 49.33
Alphabet Cap Stk Cl C (GOOG) 1.3 $11M 103k 104.00
Citigroup Com New (C) 1.3 $11M 224k 46.89
Ishares Tr Core S&p500 Etf (IVV) 1.2 $9.6M 24k 411.09
Vanguard World Fds Health Car Etf (VHT) 1.1 $9.4M 40k 238.46
Ishares Tr Ishares Biotech (IBB) 1.1 $9.4M 73k 129.16
Amazon (AMZN) 1.1 $9.3M 90k 103.29
Vanguard Bd Index Fds Short Trm Bond (BSV) 1.0 $8.7M 114k 76.49
Vanguard Index Fds Total Stk Mkt (VTI) 1.0 $8.4M 41k 204.10
Vanguard Wellington Us Quality (VFQY) 1.0 $8.0M 74k 108.33
Meta Platforms Cl A (META) 0.9 $7.8M 37k 211.94
Ishares Gold Tr Ishares New (IAU) 0.9 $7.7M 205k 37.37
Schwab Strategic Tr Us Brd Mkt Etf (SCHB) 0.9 $7.6M 160k 47.85
Ishares Tr 0-5 Yr Tips Etf (STIP) 0.9 $7.5M 76k 99.23
Simon Property (SPG) 0.9 $7.1M 64k 111.97
Devon Energy Corporation (DVN) 0.8 $6.9M 136k 50.61
Hilton Worldwide Holdings (HLT) 0.8 $6.4M 45k 140.87
Visa Com Cl A (V) 0.8 $6.3M 28k 225.46
Verizon Communications (VZ) 0.7 $6.1M 158k 38.89
Kinder Morgan (KMI) 0.7 $6.0M 341k 17.51
Ishares Tr Core S&p Mcp Etf (IJH) 0.7 $5.7M 23k 250.16
Lockheed Martin Corporation (LMT) 0.7 $5.7M 12k 472.71
Vanguard Tax-managed Fds Van Ftse Dev Mkt (VEA) 0.6 $5.3M 118k 45.17
Zoetis Cl A (ZTS) 0.6 $5.2M 31k 166.44
Invesco Qqq Tr Unit Ser 1 (QQQ) 0.6 $5.1M 16k 320.93
ConAgra Foods (CAG) 0.6 $5.1M 136k 37.56
Eli Lilly & Co. (LLY) 0.6 $5.0M 15k 343.42
Goldman Sachs Etf Tr Acces Treasury (GBIL) 0.6 $4.8M 48k 100.14
Exxon Mobil Corporation (XOM) 0.6 $4.7M 43k 109.66
Ishares Tr Asia 50 Etf (AIA) 0.5 $4.3M 70k 61.89
Vanguard Index Fds S&p 500 Etf Shs (VOO) 0.5 $4.3M 12k 376.07
Spdr Ser Tr Portfolio Agrgte (SPAB) 0.5 $4.1M 159k 25.79
Ishares Tr National Mun Etf (MUB) 0.5 $3.9M 36k 107.74
Boston Properties (BXP) 0.5 $3.8M 71k 54.12
General Mills (GIS) 0.5 $3.8M 45k 85.46
Schwab Strategic Tr Us Dividend Eq (SCHD) 0.4 $3.7M 51k 73.16
Pepsi (PEP) 0.4 $3.6M 20k 182.30
Unilever Spon Adr New (UL) 0.4 $3.4M 66k 51.93
Vanguard Intl Equity Index F Ftse Emr Mkt Etf (VWO) 0.4 $3.2M 80k 40.40
Invesco Exch Traded Fd Tr Ii Pfd Etf (PGX) 0.4 $3.2M 280k 11.48
Johnson & Johnson (JNJ) 0.4 $3.2M 21k 155.00
Electronic Arts (EA) 0.4 $3.1M 26k 120.45
At&t (T) 0.4 $3.1M 161k 19.25
Booking Holdings (BKNG) 0.4 $3.1M 1.2k 2652.41
Wal-Mart Stores (WMT) 0.3 $2.9M 20k 147.45
Select Sector Spdr Tr Technology (XLK) 0.3 $2.9M 19k 151.01
Coca-Cola Company (KO) 0.3 $2.8M 45k 62.03
Southern Company (SO) 0.3 $2.7M 39k 69.58
Mid-America Apartment (MAA) 0.3 $2.5M 17k 151.04
Abbvie (ABBV) 0.3 $2.4M 15k 159.37
Quest Diagnostics Incorporated (DGX) 0.3 $2.4M 17k 141.48
United Parcel Service CL B (UPS) 0.3 $2.3M 12k 193.99
Camden Ppty Tr Sh Ben Int (CPT) 0.3 $2.3M 22k 104.84
Union Pacific Corporation (UNP) 0.3 $2.3M 11k 201.27
Vanguard Index Fds Mid Cap Etf (VO) 0.3 $2.3M 11k 210.91
Ishares Tr Core S&p Scp Etf (IJR) 0.3 $2.3M 24k 96.70
Palantir Technologies Cl A (PLTR) 0.3 $2.3M 268k 8.45
Brink's Company (BCO) 0.3 $2.3M 34k 66.80
Healthcare Rlty Tr Cl A Com (HR) 0.3 $2.3M 117k 19.33
Vanguard Admiral Fds 500 Grth Idx F (VOOG) 0.3 $2.2M 9.5k 230.48
Ishares Tr Core Msci Eafe (IEFA) 0.3 $2.1M 32k 66.85
Ishares Tr Short Treas Bd (SHV) 0.3 $2.1M 19k 110.50
Vanguard Intl Equity Index F Allwrld Ex Us (VEU) 0.3 $2.1M 39k 53.47
Select Sector Spdr Tr Financial (XLF) 0.2 $2.1M 64k 32.15
Vanguard Scottsdale Fds Short Term Treas (VGSH) 0.2 $2.0M 35k 58.54
Kellogg Company (K) 0.2 $2.0M 30k 66.96
Ishares Tr Core 1 5 Yr Usd (ISTB) 0.2 $2.0M 43k 47.16
J P Morgan Exchange Traded F Betabuldrs Japan (BBJP) 0.2 $2.0M 41k 48.40
Alibaba Group Hldg Sponsored Ads (BABA) 0.2 $1.9M 18k 102.18
Ishares Tr Core Total Usd (IUSB) 0.2 $1.8M 39k 46.15
Diageo Spon Adr New (DEO) 0.2 $1.8M 9.9k 181.19
Gaming & Leisure Pptys (GLPI) 0.2 $1.8M 34k 52.06
International Business Machines (IBM) 0.2 $1.7M 13k 131.09
Ishares Core Msci Emkt (IEMG) 0.2 $1.7M 35k 48.79
Walt Disney Company (DIS) 0.2 $1.6M 16k 100.13
Alcoa (AA) 0.2 $1.6M 38k 42.56
UnitedHealth (UNH) 0.2 $1.5M 3.1k 472.63
Ishares Tr Msci Eafe Etf (EFA) 0.2 $1.4M 20k 71.52
Dominion Resources (D) 0.2 $1.4M 25k 55.91
3M Company (MMM) 0.2 $1.4M 13k 105.11
Home Depot (HD) 0.2 $1.4M 4.6k 295.14
Schwab Strategic Tr Us Reit Etf (SCHH) 0.2 $1.3M 68k 19.50
S&p Global (SPGI) 0.2 $1.3M 3.8k 344.77
American Express Company (AXP) 0.2 $1.3M 7.9k 164.94
Shell Spon Ads (SHEL) 0.2 $1.3M 23k 57.54
Paypal Holdings (PYPL) 0.2 $1.3M 17k 75.94
Archer Daniels Midland Company (ADM) 0.2 $1.3M 16k 79.66
Ishares Tr Russell 2000 Etf (IWM) 0.2 $1.3M 7.1k 178.40
Vanguard Index Fds Value Etf (VTV) 0.2 $1.3M 9.1k 138.11
Nextera Energy (NEE) 0.2 $1.3M 16k 77.08
Freeport-mcmoran CL B (FCX) 0.1 $1.2M 30k 40.91
Duke Energy Corp Com New (DUK) 0.1 $1.2M 12k 96.47
NVIDIA Corporation (NVDA) 0.1 $1.2M 4.2k 277.74
M&T Bank Corporation (MTB) 0.1 $1.2M 9.8k 119.57
Abbott Laboratories (ABT) 0.1 $1.2M 12k 101.26
Select Sector Spdr Tr Sbi Cons Stpls (XLP) 0.1 $1.1M 15k 74.71
Linde SHS (LIN) 0.1 $1.1M 3.2k 355.44
Intel Corporation (INTC) 0.1 $1.1M 35k 32.67
Norfolk Southern (NSC) 0.1 $1.1M 5.3k 212.00
Totalenergies Se Sponsored Ads (TTE) 0.1 $1.1M 19k 59.05
Wisdomtree Tr Us Midcap Divid (DON) 0.1 $1.1M 27k 40.98
Broadcom (AVGO) 0.1 $1.1M 1.7k 641.73
Cadence Design Systems (CDNS) 0.1 $1.1M 5.1k 210.09
Oracle Corporation (ORCL) 0.1 $1.1M 12k 92.92
Ishares Tr Cohen Steer Reit (ICF) 0.1 $1.0M 19k 55.54
Bank of America Corporation (BAC) 0.1 $1.0M 36k 28.60
Schwab Strategic Tr Emrg Mkteq Etf (SCHE) 0.1 $1.0M 42k 24.52
Raytheon Technologies Corp (RTX) 0.1 $1.0M 10k 97.93
Columbia Etf Tr I Diversifid Fxd (DIAL) 0.1 $987k 55k 17.87
Listed Fd Tr Horizon Kinetics (INFL) 0.1 $966k 31k 30.84
Qualcomm (QCOM) 0.1 $917k 7.2k 127.58
Wisdomtree Tr Us Smallcap Divd (DES) 0.1 $885k 31k 28.56
Sanofi Sponsored Adr (SNY) 0.1 $884k 16k 54.42
Vanguard World Fds Consum Stp Etf (VDC) 0.1 $875k 4.5k 193.52
Costco Wholesale Corporation (COST) 0.1 $861k 1.7k 496.81
Gilead Sciences (GILD) 0.1 $848k 10k 82.97
Cisco Systems (CSCO) 0.1 $840k 16k 52.28
Quanta Services (PWR) 0.1 $840k 5.0k 166.64
Bank of New York Mellon Corporation (BK) 0.1 $836k 18k 45.44
Invesco Exch Traded Fd Tr Ii S&p500 Low Vol (SPLV) 0.1 $830k 13k 62.40
Select Sector Spdr Tr Sbi Healthcare (XLV) 0.1 $824k 6.4k 129.46
Bristol Myers Squibb (BMY) 0.1 $797k 12k 69.31
McDonald's Corporation (MCD) 0.1 $796k 2.8k 279.64
Adobe Systems Incorporated (ADBE) 0.1 $788k 2.0k 385.46
Medtronic SHS (MDT) 0.1 $777k 9.6k 80.62
Starbucks Corporation (SBUX) 0.1 $755k 7.3k 104.12
Spdr Dow Jones Indl Average Ut Ser 1 (DIA) 0.1 $752k 2.3k 332.62
FedEx Corporation (FDX) 0.1 $748k 3.3k 228.46
Pvh Corporation (PVH) 0.1 $747k 8.4k 89.16
Enterprise Products Partners (EPD) 0.1 $747k 29k 25.90
Pimco Etf Tr Enhan Shrt Ma Ac (MINT) 0.1 $739k 7.4k 99.25
Wisdomtree Tr Us Largecap Divd (DLN) 0.1 $738k 12k 61.86
Spdr Ser Tr Bloomberg 1-3 Mo (BIL) 0.1 $734k 8.0k 91.82
Tesla Motors (TSLA) 0.1 $730k 3.5k 207.46
Dell Technologies CL C (DELL) 0.1 $726k 18k 40.21
Danaher Corporation (DHR) 0.1 $723k 2.9k 252.04
Cigna Corp (CI) 0.1 $720k 2.8k 255.49
Select Sector Spdr Tr Sbi Cons Discr (XLY) 0.1 $718k 4.8k 149.54
Expro Group Holdings Nv (XPRO) 0.1 $717k 39k 18.36
Spdr Ser Tr Nuveen Bloomberg (HYMB) 0.1 $706k 28k 25.04
Energy Transfer Com Ut Ltd Ptn (ET) 0.1 $704k 57k 12.47
Ishares Tr Rus 1000 Grw Etf (IWF) 0.1 $683k 2.8k 244.29
Netflix (NFLX) 0.1 $676k 2.0k 345.54
AES Corporation (AES) 0.1 $664k 28k 24.08
Ishares Tr Rus Top 200 Etf (IWL) 0.1 $660k 6.8k 97.31
Ishares Tr Select Divid Etf (DVY) 0.1 $660k 5.6k 117.18
Spdr Ser Tr Portfolio Intrmd (SPIB) 0.1 $647k 20k 32.49
Ishares Tr Pfd And Incm Sec (PFF) 0.1 $629k 20k 31.22
Hormel Foods Corporation (HRL) 0.1 $626k 16k 39.88
Republic Services (RSG) 0.1 $623k 4.6k 135.22
Automatic Data Processing (ADP) 0.1 $621k 2.8k 222.63
Loews Corporation (L) 0.1 $612k 11k 58.02
Paramount Global Class B Com (PARA) 0.1 $603k 27k 22.31
FactSet Research Systems (FDS) 0.1 $592k 1.4k 415.09
MPLX Com Unit Rep Ltd (MPLX) 0.1 $575k 17k 34.45
Caterpillar (CAT) 0.1 $573k 2.5k 228.88
Prologis (PLD) 0.1 $572k 4.6k 124.77
Ishares Tr Core High Dv Etf (HDV) 0.1 $565k 5.6k 101.66
Wisdomtree Tr Emer Mkt High Fd (DEM) 0.1 $554k 15k 37.86
Ishares Tr Rus 1000 Val Etf (IWD) 0.1 $551k 3.6k 152.26
Carrier Global Corporation (CARR) 0.1 $548k 12k 45.75
Amgen (AMGN) 0.1 $527k 2.2k 241.72
Focus Finl Partners Com Cl A 0.1 $525k 10k 51.87
Vanguard Bd Index Fds Total Bnd Mrkt (BND) 0.1 $521k 7.1k 73.83
Magellan Midstream Prtnrs Com Unit Rp Lp 0.1 $518k 9.6k 54.26
Ishares Tr Msci Emg Mkt Etf (EEM) 0.1 $513k 13k 39.46
CSX Corporation (CSX) 0.1 $513k 17k 29.94
Realty Income (O) 0.1 $507k 8.0k 63.32
Rio Tinto Sponsored Adr (RIO) 0.1 $504k 7.3k 68.60
Mastercard Incorporated Cl A (MA) 0.1 $503k 1.4k 363.41
Boeing Company (BA) 0.1 $502k 2.4k 212.46
Western Midstream Partners L Com Unit Lp Int (WES) 0.1 $487k 19k 26.37
Thermo Fisher Scientific (TMO) 0.1 $482k 837.00 576.39
Monster Beverage Corp (MNST) 0.1 $479k 8.9k 54.01
Ishares Tr Eafe Grwth Etf (EFG) 0.1 $459k 4.9k 93.67
Deere & Company (DE) 0.1 $459k 1.1k 412.76
Apollo Global Mgmt (APO) 0.1 $456k 7.2k 63.16
Spdr Gold Tr Gold Shs (GLD) 0.1 $455k 2.5k 183.18
Plains All Amern Pipeline L Unit Ltd Partn (PAA) 0.1 $455k 37k 12.47
Sempra Energy (SRE) 0.1 $454k 3.0k 151.16
Honeywell International (HON) 0.1 $448k 2.3k 191.09
Wisdomtree Tr Europe Hedged Eq (HEDJ) 0.1 $447k 5.4k 82.21
General Electric Com New (GE) 0.1 $433k 4.5k 95.59
Comcast Corp Cl A (CMCSA) 0.1 $430k 11k 37.91
Ishares Tr Broad Usd High (USHY) 0.1 $427k 12k 35.55
Ishares Tr Ishs 5-10yr Invt (IGIB) 0.1 $425k 8.3k 51.28
United Rentals (URI) 0.1 $424k 1.1k 395.76
Target Corporation (TGT) 0.1 $422k 2.5k 165.65
Select Sector Spdr Tr Communication (XLC) 0.1 $419k 7.2k 57.97
Ishares Tr Rus Md Cp Gr Etf (IWP) 0.1 $417k 4.6k 91.05
Allstate Corporation (ALL) 0.0 $416k 3.8k 110.80
Spdr Index Shs Fds Dj Glb Rl Es Etf (RWO) 0.0 $416k 10k 41.16
Proshares Tr Ultrapro Qqq (TQQQ) 0.0 $414k 15k 28.26
AutoNation (AN) 0.0 $405k 3.0k 134.34
Restaurant Brands Intl Inc Com equity / large cap (QSR) 0.0 $395k 5.9k 67.14
General Dynamics Corporation (GD) 0.0 $394k 1.7k 228.21
Colgate-Palmolive Company (CL) 0.0 $375k 5.0k 75.15
Ishares Tr Eafe Value Etf (EFV) 0.0 $371k 7.7k 48.53
Ishares Tr Rus Mid Cap Etf (IWR) 0.0 $369k 5.3k 69.92
Ishares Tr U.s. Real Es Etf (IYR) 0.0 $368k 4.3k 84.90
Illinois Tool Works (ITW) 0.0 $366k 1.5k 243.45
American Tower Reit (AMT) 0.0 $363k 1.8k 204.30
Vistaoutdoor (VSTO) 0.0 $362k 13k 27.71
Texas Instruments Incorporated (TXN) 0.0 $353k 1.9k 186.01
Otis Worldwide Corp (OTIS) 0.0 $344k 4.1k 84.40
CVS Caremark Corporation (CVS) 0.0 $343k 4.6k 74.30
Spdr Ser Tr S&p Kensho New (KOMP) 0.0 $343k 8.0k 42.70
Ishares Tr Core S&p Ttl Stk (ITOT) 0.0 $342k 3.8k 90.55
ConocoPhillips (COP) 0.0 $339k 3.4k 99.21
LKQ Corporation (LKQ) 0.0 $335k 5.9k 56.76
Altria (MO) 0.0 $332k 7.4k 44.62
AutoZone (AZO) 0.0 $327k 133.00 2458.15
Mondelez Intl Cl A (MDLZ) 0.0 $327k 4.7k 69.72
GSK Sponsored Adr (GSK) 0.0 $316k 8.9k 35.58
Marriott Intl Cl A (MAR) 0.0 $313k 1.9k 166.04
Ishares Tr Rus Mdcp Val Etf (IWS) 0.0 $298k 2.8k 106.20
Ishares Tr S&p Mc 400gr Etf (IJK) 0.0 $295k 4.1k 71.51
BlackRock (BLK) 0.0 $292k 436.00 669.27
Enlink Midstream Com Unit Rep Ltd (ENLC) 0.0 $287k 26k 10.84
BP Sponsored Adr (BP) 0.0 $280k 7.4k 37.94
Ishares Tr Intl Sel Div Etf (IDV) 0.0 $277k 10k 27.49
Nuveen Muni Value Fund (NUV) 0.0 $275k 31k 8.81
Palo Alto Networks (PANW) 0.0 $275k 1.4k 199.74
Ge Healthcare Technologies I Common Stock (GEHC) 0.0 $274k 3.3k 82.03
National Fuel Gas (NFG) 0.0 $269k 4.7k 57.74
Lowe's Companies (LOW) 0.0 $267k 1.3k 199.97
Vanguard World Fds Inf Tech Etf (VGT) 0.0 $264k 686.00 385.47
Dcp Midstream Com Ut Ltd Ptn 0.0 $262k 6.3k 41.72
Ingredion Incorporated (INGR) 0.0 $260k 2.6k 101.73
International Paper Company (IP) 0.0 $254k 7.1k 36.06
Global X Fds Glb X Mlp Enrg I (MLPX) 0.0 $254k 6.4k 39.95
Select Sector Spdr Tr Sbi Int-inds (XLI) 0.0 $254k 2.5k 101.18
Dick's Sporting Goods (DKS) 0.0 $251k 1.8k 141.89
Corning Incorporated (GLW) 0.0 $251k 7.1k 35.28
Ishares Tr Iboxx Hi Yd Etf (HYG) 0.0 $249k 3.3k 75.55
Spdr Ser Tr S&p Biotech (XBI) 0.0 $243k 3.2k 76.21
Ishares Tr Msci Kld400 Soc (DSI) 0.0 $243k 3.1k 77.99
Brookfield Corp Cl A Ltd Vt Sh (BN) 0.0 $242k 7.4k 32.59
Select Sector Spdr Tr Sbi Int-utils (XLU) 0.0 $235k 3.5k 67.69
Becton, Dickinson and (BDX) 0.0 $234k 947.00 247.54
Vanguard Index Fds Small Cp Etf (VB) 0.0 $231k 1.2k 189.56
Wisdomtree Tr Intl Equity Fd (DWM) 0.0 $227k 4.6k 49.73
Select Sector Spdr Tr Rl Est Sel Sec (XLRE) 0.0 $223k 6.0k 37.38
Vaneck Etf Trust Gold Miners Etf (GDX) 0.0 $221k 6.8k 32.35
Ishares Tr Eafe Sml Cp Etf (SCZ) 0.0 $218k 3.7k 59.51
Hershey Company (HSY) 0.0 $213k 838.00 254.41
Wells Fargo & Company (WFC) 0.0 $212k 5.7k 37.38
Paychex (PAYX) 0.0 $211k 1.8k 114.59
Haleon Spon Ads (HLN) 0.0 $211k 26k 8.14
Ishares Tr Grwt Allocat Etf (AOR) 0.0 $210k 4.2k 50.03
SYSCO Corporation (SYY) 0.0 $210k 2.7k 77.23
International Flavors & Fragrances (IFF) 0.0 $210k 2.3k 91.96
Accenture Plc Ireland Shs Class A (ACN) 0.0 $209k 730.00 285.81
Brookfield Infrast Partners Lp Int Unit (BIP) 0.0 $206k 6.1k 33.77
Nike CL B (NKE) 0.0 $203k 1.7k 122.64
Trane Technologies SHS (TT) 0.0 $200k 1.1k 183.98
New Mountain Finance Corp (NMFC) 0.0 $191k 16k 12.17
Plains Gp Hldgs Ltd Partnr Int A (PAGP) 0.0 $174k 13k 13.12
Carnival Corp Common Stock (CCL) 0.0 $143k 14k 10.15
Monroe Cap (MRCC) 0.0 $119k 16k 7.65
Bgc Partners Cl A 0.0 $112k 21k 5.23
Wejo Group Common Shares (WEJOF) 0.0 $29k 60k 0.49