2026-07-16T09:42:09-05:00 2025-12-31 331374517 PKF O'CONNOR DAVIES ADVISORY LLC 500 MAMARONECK AVENUE SUITE 301 HARRISON NY 105281633 990 2025-01-01 132617705 WESTCHESTER RESIDENTIAL OPPORTUNITIES INC WEST 9144284507 470 MAMARONECK AVENUE 410 WHITE PLAINS NY 10605 KACY BRADY EXECUTIVE DIRECTOR 9144284507 2026-07-16 1 MELISSA MODELSON P01603524 9143818900 2026-07-01 2025 2025-03-06 01:10:19Z KACY BRADY 470 MAMARONECK AVENUE 410 WHITE PLAINS NY 10605 5315550 0 X WWW.WROINC.ORG X 1968 NY TO PROMOTE EQUAL, AFFORDABLE, AND ACCESSIBLE HOUSING OPPORTUNITIES FOR ALL RESIDENTS OF OUR REGION. 15 15 44 15 0 0 3693467 4547015 598297 574399 183612 182125 0 -2524 4475376 5301015 1255031 1638745 0 0 2319152 2402686 0 0 78763 592400 595285 4166583 4636716 308793 664299 6255896 6798191 1049034 829164 5206862 5969027 X WESTCHESTER RESIDENTIAL OPPORTUNITIES (WRO) IS A HUD-CERTIFIED HOUSING COUNSELING AGENCY WITH SPECIALIZED PROGRAMS TO COMBAT HOUSING DISCRIMINATION, MARKET AFFORDABLE HOUSING OPPORTUNITIES, AND TO ASSIST FIRST TIME HOMEBUYERS, THE ELDERLY AND THOSE FACING EVICTION OR MORTGAGE DEFAULT.ADDITIONALLY, WRO PROVIDES HOUSING AND CASE MANAGEMENT FOR PEOPLE WITH MENTAL ILLNESS. WRO PROMOTES HOUSING MOBILITY, AFFORDABILITY AND STABILITY FOR MARGINALIZED POPULATIONS, AND LOW-TO-MODERATE INCOME GROUPS. 0 0 1592586 986342 246078 INDEPENDENT LIVING PROGRAMTHE INDEPENDENT LIVING PROGRAM CONSISTS OF OUR SUPPORTED HOUSING APARTMENT PROGRAM, OUR SINGLE ROOM OCCUPANCY (SRO) PROGRAM, AND AN EDUCATION AND OUTREACH COMPONENT. IN 2025, THE SUPPORTED HOUSING PROGRAM PROVIDED INDIVIDUALIZED HOUSING-RELATED CASE MANAGEMENT SERVICES AND RENTAL ASSISTANCE TO 45 ADULTS DIAGNOSED WITH SERIOUS MENTAL ILLNESS, WHO WISH TO OBTAIN PERMANENT, AFFORDABLE, AND INDEPENDENT HOUSING. THE SINGLE ROOM OCCUPANCY PROGRAM STAFF PROVIDED HOUSING AND SUPPORTIVE SERVICES AND SUPERVISION TO ADULTS RESIDING IN OUR NINE BEDROOM SRO IN 2025.ADDITIONALLY, WRO PROVIDES HOMELESS OUTREACH TO ASSIST HOMELESS PEOPLE WITH MENTAL ILLNESS TO FIND HOUSING. 1050615 361573 75151 HOME OWNERSHIP PROGRAMSWRO PROVIDES ASSISTANCE TO QUALIFIED HOUSEHOLDS IN THREE AREAS: (A) FIRST-TIME HOMEBUYING (PROVIDING EDUCATION AND COUNSELING PROGRAMS IN SPANISH AND ENGLISH ON THE HOMEBUYING PROCESS, AS WELL AS FACILITATING ACCESS TO VARIOUS DOWN-PAYMENT AND CLOSING COST ASSISTANCE PROGRAMS). IN 2025, 175 INDIVIDUALS COMPLETED OUR HOMEBUYING EDUCATION PROGRAM, AND 10 CLIENTS PURCHASED A HOME, UTILIZING OVER $252,000 IN GRANTS FUNDS SECURED TO HELP PURCHASE THEIR HOMES. (B) MORTGAGE FORECLOSURE PREVENTION (ASSISTING HOMEOWNERS WHO ARE FACING FORECLOSURE DUE TO TEMPORARY INTERRUPTIONS IN INCOME OR FINANCIAL HARDSHIP, INCLUDING EXPLORING POSSIBLE OPTIONS AVAILABLE WITH THEIR LENDER). IN 2025, WRO SERVED 200 CLIENTS, AND CLOSED ON 50 LOAN MODIFICATIONS OR REINSTATEMENTS.(C) PROPERTY TAX FORECLOSURE PREVENTION (ASSISTING HOUSEHOLDS FACING FORECLOSURE DUE TO PROPERTY TAX ARREARS). IN 2025, WE ASSISTED TWO HOUSEHOLDS, INCLUDING SECURING ALMOST $20,500 IN GRANT FUNDS. 663050 59 253170 FAIR HOUSING PROGRAMWRO'S FAIR HOUSING PROGRAM WORKS TO ELIMINATE DISCRIMINATION IN THE HOUSING AND LENDING MARKETS. THE PROGRAM HANDLES COMPLAINTS AND CONDUCTS INVESTIGATIONS, INCLUDING BOTH SYSTEMIC AND COMPLAINT-BASED TESTING, AND ACCESSIBLE DESIGN AND CONSTRUCTION INVESTIGATIONS. WRO'S FAIR HOUSING PROGRAM PROVIDES EDUCATION AND OUTREACH TO CONSUMERS, CIVIC AND BUSINESS AND OTHER NON-PROFIT ORGANIZATIONS, AND TRAINS REAL ESTATE PROFESSIONALS, CO-OP BOARDS AND MANAGEMENT COMPANIES TO COMPLY WITH FAIR HOUSING LAWS. IN 2025, 164 FAMILIES AND INDIVIDUALS WERE ASSISTED WITH FAIR HOUSING COMPLAINTS, AND 170 INDIVIDUAL REAL ESTATE PROFESSIONALS AND 94 CO-OP APARTMENT DIRECTORS WERE TRAINED IN OUR FAIR HOUSING WORKSHOPS.ADDITIONALLY, WRO MANAGES AN AFFIRMATIVE HOUSING MARKETING PROGRAM FOR RENT AND RESALE OF FAIR AND AFFORDABLE HOMES. AS PART OF THIS PROGRAM, WRO COLLECTS APPLICATIONS AND ADMINISTERS A LOTTERY FOR ELIGIBLE APPLICANTS. IN 2025, WRO MARKETED 40 RENTAL UNITS IN TWO RENTAL DEVELOPMENTS AND SIX OWNERSHIP UNITS IN TWO DEVELOPMENTS, AND ASSISTED IN THE CLOSING OF TWO RE-SALES OF EXISTING AFFORDABLE HOMES. 652571 290771 0 EVICTION PREVENTION & RENTAL ASSISTANCE PROGRAM WRO ASSISTS QUALIFIED HOUSEHOLDS FACING RENTAL AND/OR UTILITY ARREARS, BY PROVIDING FINANCIAL ASSISTANCE GRANTS AGAINST THOSE ARREARS. WRO ALSO WORKS WITH HOUSEHOLDS LOOKING TO SECURE RENTAL HOUSING BY PROVIDING FINANCIAL ASSISTANCE GRANTS FOR SECURITY DEPOSITS, MOVING EXPENSES, FIRST MONTH'S RENT, ETC.IN ADDITION TO PROVIDING FINANCIAL ASSISTANCE, THE PROGRAM (1) PROVIDES COUNSELING TO PRIMARILY LOW-TO-MODERATE INCOME HOUSEHOLDS TO FIND AND MAINTAIN AFFORDABLE HOUSING, (2) NEGOTIATES WITH LANDLORDS TO HELP KEEP PEOPLE HOUSED, AND (3) MAKES REFERRALS AS APPROPRIATE TO LOCATE ADDITIONAL SOURCES OF FINANCIAL AND OTHER FORMS OF ASSISTANCE. IN 2025, THE PROGRAM ASSISTED 284 INDIVIDUALS AND FAMILIES, AND DISBURSED ALMOST $190,000 IN RENTAL ARREARS GRANTS TO 43 HOUSEHOLDS. 652571 290771 0 3958822 1 1 0 1 0 0 0 0 0 1 1 0 0 1 1 1 0 1 0 0 0 0 0 0 1 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 1 63 0 44 1 0 0 0 0 0 1 1 0 0 0 0 0 0 X 15 15 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 0 0 NY X X X ELIZABETH ELLISON 9144284507 470 MAMARONECK AVENUE 410 WHITE PLAINS NY 10605 LAURENCE BEILENSON CO-CHAIR 1.00 0.00 X X 0 0 0 DEBRA BUDETTI CO-CHAIR 1.00 0.00 X X 0 0 0 THOMAS RICE ESQ SECRETARY 1.00 0.50 X X 0 0 0 KEITH ROSENTHAL ASSISTANT SECRETARY THRU 12/2025 1.00 0.00 X X 0 0 0 ROGER CAMPOS ASSISTANT SECRETARY 1.00 0.00 X X 0 0 0 HENRY J CARNAGE TREASURER 1.00 0.50 X X 0 0 0 DAVID SAMUELS ASSISTANT TREASURER 1.00 0.00 X X 0 0 0 LEAH CARO BOARD MEMBER THRU 05/2025 1.00 0.00 X 0 0 0 MARGARET M FLINT ESQ BOARD MEMBER 1.00 0.00 X 0 0 0 BARRY KRAMER BOARD MEMBER 1.00 0.00 X 0 0 0 DAVID MOORE BOARD MEMBER 1.00 0.00 X 0 0 0 MITALI KAMDAR BOARD MEMBER 1.00 0.00 X 0 0 0 DENNIS D PARKER ESQ BOARD MEMBER 1.00 0.00 X 0 0 0 RICHARD STERN BOARD MEMBER 1.00 0.00 X 0 0 0 DEBRA THOMPSON BOARD MEMBER 1.00 0.00 X 0 0 0 WENDY MARIE WEATHERS ESQ BOARD MEMBER 1.00 0.00 X 0 0 0 ALAN R WOLFERT ESQ BOARD MEMBER 1.00 0.50 X 0 0 0 MARLENE ZARFES EXECUTIVE DIRECTOR 34.00 1.00 X 163653 0 26591 ELIZABETH ELLISON CHIEF FINANCIAL OFFICER 27.50 0.50 X 103600 0 3073 ANDREW SMITH DEPUTY EXECUTIVE DIRECTOR 35.00 0.00 X 117023 0 48642 NNEKA REED DIRECTOR OF OPERATIONS 35.00 0.00 X 102964 0 23957 487240 0 102263 4 0 1 0 0 23449 4076830 446736 4547015 PROGRAM FEES 900099 328373 328373 RENTAL INCOME 532000 246026 246026 574399 182125 182125 10442 23449 14535 -4093 -4093 1569 0 1569 1569 5301015 574399 0 179601 341106 341106 1297639 1297639 296917 114147 173258 9512 1638783 1383919 211543 43321 44651 37836 5631 1184 238013 187765 44153 6095 184322 143218 36109 4995 32402 32402 8231 8231 42201 31572 9559 1070 16595 16077 392 126 77834 63208 9229 5397 63617 49431 12463 1723 147763 119143 25142 3478 73602 69516 3956 130 4891 4891 62889 41366 20080 1443 REPAIRS AND MAINTENANCE 65260 62879 2092 289 4636716 3958822 599131 78763 187677 219345 289232 553227 768992 363382 84784 27368 32550 31775 5666 775 3893639 4701402 1025906 932692 6255896 6798191 101070 125660 343947 193200 604017 510304 1049034 829164 X 4884497 5638478 322365 330549 5206862 5969027 6255896 6798191 664299 97867 0 X 0 1 X 1 0 X 3823118 6657882 3851749 3693467 4547015 22573231 3823118 6657882 3851749 3693467 4547015 22573231 590978 21982253 74 26035 135448 183612 182125 527294 23100525 2608444 0.95160 0.95360 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 0 0 0 0 1 595 0 0 595 0 PART II-B, LINE 1: THE ORGANIZATION'S LOBBYING EXPENSES ARE RELATED TO INVOLVEMENT IN FAIR HOUSING LEGISLATION, DISCUSSIONS WITH LEGISLATORS AND LEGISLATIVE STAFF, AS WELL AS COLLABORATION WITH LOBBYING GROUPS IN RELATION TO FAIR HOUSING LAWS. 1390481 12891 141084 65002 1479454 1357220 12104 100093 78936 1390481 1209722 114858 84497 51857 1357220 1209722 1209722 1.00000 0 0 32550 31775 775 775 OPERATING LEASE ASSETS 488376 SECURITY DEPOSITS 7736 DUE FROM RELATED PARTY 436580 932692 OPERATING LEASE LIABILITY 510304 510304 X 5390651 97867 97867 5292784 8231 8231 5301015 4697823 69338 69338 4628485 8231 8231 4636716 PART V, LINE 4: THE NICK BEILENSON LEGACY FUND, ESTABLISHED BY THE BOARD OF DIRECTORS WITH A SUBSTANTIAL DONATION FROM NICK'S FAMILY, WILL BE USED AS DIRECTED BY THE BOARD OF DIRECTORS TO SUPPORT WRO'S OPERATIONS DURING THE NEXT TEN TO FIFTEEN YEARS, THEREBY HELPING TO SUSTAIN THE ORGANIZATION INTO THE FUTURE. PART X, LINE 2: THE ORGANIZATION RECOGNIZES THE EFFECT OF INCOME TAX POSITIONS ONLY IF THOSE POSITIONS ARE MORE LIKELY THAN NOT TO BE SUSTAINED. MANAGEMENT HAS DETERMINED THAT THE ORGANIZATION HAD NO UNCERTAIN TAX POSITIONS THAT WOULD REQUIRE FINANCIAL STATEMENT RECOGNITION OR DISCLOSURE. THE ORGANIZATION IS NO LONGER SUBJECT TO EXAMINATIONS BY THE APPLICABLE TAXING JURISDICTIONS FOR PERIODS PRIOR TO DECEMBER 31, 2022. PART XII, LINE 2D - OTHER ADJUSTMENTS: CONSOLIDATED EXPENSES INCLUDED ON RELATED ORGANIZATION'S FORM 990 69,338. JUNE FRIENDRAISER EVENT 11139 5939 5200 5597 148 EVENT HONORING LEAH CARO 22752 17510 5242 6443 2347 33891 23449 10442 12040 2495 14535 -4093 1 WESTCHESTER COUNTY HABITAT FOR HUMANITY INC 111 JOHN ST SUITE 770 NEW YORK NY 10038 871571987 501(C)(3) 341106 0 WORK UNDER AGING IN PLACE PROGRAM 1 0 RENTAL AND MORTGAGE ASSISTANCE 114 1297639 PART I, LINE 2: WRO ASSISTS HOMEOWNERS WHO ARE EXPERIENCING TEMPORARY INTERRUPTIONS IN INCOME OR FINANCIAL HARDSHIP. WRO WORKS WITH HOMEOWNERS AND THEIR LENDERS FOR POSSIBLE OPTIONS AVAILABLE TO AVOID FORECLOSURE, INCLUDING LOAN MODIFICATION, APPLYING FOR THIRD PARTY ASSISTANCE, OR IF AVAILABLE, ASSISTANCE FROM WRO PROVIDED BY GRANT FUNDING. FOR GRANT-FUNDED ASSISTANCE, THE CRITERIA FOR ELIGIBILITY ARE ESTABLISHED BY THE GRANT FUNDER. IF THE HOMEOWNER IS ELIGIBLE, WRO WRITES A CHECK DIRECTLY TO THE LENDER. IN ADDITION TO MORTGAGE FORECLOSURE ASSISTANCE, WRO PROVIDES FINANCIAL ASSISTANCE WITH RENTAL ARREARS TO THOSE EXPERIENCING FINANCIAL HARDSHIP TO ASSIST THEM IN AVOIDING EVICTION. WRO ALSO RUNS A SUPPORTED HOUSING PROGRAM FOR INDIVIDUALS WITH MENTAL ILLNESS. FOR BOTH OF THESE PROGRAMS, APPLICANTS QUALIFY FOR ASSISTANCE USING CRITERIA ESTABLISHED BY THE WESTCHESTER COUNTY DEPARTMENTS OF SOCIAL SERVICES AND COMMUNITY MENTAL HEALTH. WRO SELECTS AND MONITORS GRANT SUBRECIPIENTS IN ACCORDANCE WITH THE FEDERAL OMB GUIDELINES. SUBRECIPIENTS ARE MONITORED PROGRAMMATICALLY AND FINANCIALLY ON A QUARTERLY BASIS. X X X 0 0 0 0 0 0 0 1 0 MARLENE ZARFES EXECUTIVE DIRECTOR 143653 0 20000 0 0 0 4650 0 21941 0 190244 0 0 0 ANDREW SMITH DEPUTY EXECUTIVE DIRECTOR 97023 0 20000 0 0 0 4050 0 44592 0 165665 0 0 0 PART I, LINE 7 THE ORGANIZATION PAID A DISCRETIONARY BONUS DURING CALENDAR YEAR 2025, REPORTED IN PART II, COLUMN B(II). FORM 990, PART I, QUESTION 5, AND PART V, QUESTION 2A: THE ORGANIZATION CONTRACTED WITH A PROFESSIONAL EMPLOYER ORGANIZATION (PEO) FOR SERVICES, INCLUDING BUT NOT LIMITED TO, PAYROLL, TIMEKEEPING, EMPLOYEE BENEFITS, HR ADMINISTRATION AND WORKFORCE REGULATORY COMPLIANCE NEEDS. AS THE EMPLOYER OF RECORD FOR TAX PURPOSES, FORMS W-2 AND W-3 ARE ISSUED BY THE PEO AND FILED UNDER THE PEO'S FEDERAL EIN. IN THIS CO-EMPLOYMENT ARRANGEMENT, THE ORGANIZATION IS THE COMMON LAW EMPLOYER AND, ACCORDINGLY, COMPENSATION IS REPORTED ON FORM 990, PART VII, SECTION A AND PART IX, LINES 5-10. FORM 990, PART VI, SECTION B, LINE 11B WESTCHESTER RESIDENTIAL OPPORTUNITIES, INC. HAS ITS FORM 990 PREPARED BY AN OUTSIDE ACCOUNTING FIRM AND HAS ESTABLISHED THE FOLLOWING REVIEW PROCESS TO ENSURE THAT THE INFORMATION REPORTED IS COMPLETE AND ACCURATE. WHEN THE FORM 990 HAS BEEN PREPARED, REVIEWED BY MANAGEMENT, THE FINANCE COMMITTEE AND THE EXECUTIVE COMMITTEE AND IS READY TO BE FILED WITH THE INTERNAL REVENUE SERVICE, IT IS ELECTRONICALLY SENT TO THE BOARD FOR REVIEW BEFORE IT IS FILED WITH THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C ALL DIRECTORS, OFFICERS, AND WRO EMPLOYEES MUST DISCLOSE ANY RELEVANT INTEREST OF AN INTERESTED PARTY OR RELATED PARTY AS THEY RELATE TO SUCH DIRECTOR, OFFICER, OR WRO EMPLOYEE WHICH MAY POSE A POTENTIAL CONFLICT OF INTEREST. IF A POTENTIAL CONFLICT OCCURS, THE DIRECTOR, OFFICER, OR WRO EMPLOYEE TO WHOM THE POTENTIAL CONFLICT OF INTEREST RELATES MAY OFFER FACTUAL INFORMATION TO THE BOARD OR COMMITTEE; BUT NO SUCH DIRECTOR, OFFICER, OR WRO EMPLOYEE IS TO VOTE ON SUCH MATTER. THE EVENT MUST BE RECORDED IN THE MINUTES OF THE MEETING OF THE BOARD OR COMMITTEE. DISCLOSURE STATEMENTS ARE REVIEWED AND SIGNED OFF ON ANNUALLY BY EACH BOARD MEMBER. FORM 990, PART VI, SECTION B, LINE 15A THE PERSONNEL COMMITTEE SHALL (1) PREPARE AND, FROM TIME TO TIME WITH THE PARTICIPATION OF THE EXECUTIVE DIRECTOR, UPDATE THE JOB DESCRIPTION OF THE EXECUTIVE DIRECTOR; (2) MEET WITH THE EXECUTIVE DIRECTOR PRIOR TO THE YEAR THAT THE EXECUTIVE DIRECTOR'S JOB PERFORMANCE WILL BE EVALUATED AND ESTABLISH FINANCIAL, PROGRAMMATIC AND OPERATIONAL GOALS TO BE MET BY THE EXECUTIVE DIRECTOR DURING THE EVALUATION YEAR, AND (3) WITHIN 45 DAYS AFTER THE END OF THE EVALUATION YEAR, MAKE RECOMMENDATIONS TO THE EXECUTIVE COMMITTEE REGARDING THE PERFORMANCE OF THE EXECUTIVE DIRECTOR DURING THE EVALUATION YEAR AND ANY PROPOSED CHANGE TO THE EXECUTIVE DIRECTOR'S COMPENSATION. THE PERSONNEL COMMITTEE SHALL BE COMPRISED OF ONLY THOSE MEMBERS OF THE BOARD OF DIRECTORS WHO HAVE NO CONFLICT OF INTEREST. THE PERSONNEL COMMITTEE'S CONCLUSIONS REGARDING THE EXECUTIVE DIRECTOR'S PERFORMANCE DURING THE EVALUATION YEAR SHALL BE BASED ON WHETHER AND TO WHAT EXTENT THE EXECUTIVE DIRECTOR (A) MET OR EXCEEDED THE OBLIGATIONS ESTABLISHED IN THE JOB DESCRIPTION AND (B) MET OR EXCEEDED THE GOALS. WHETHER THERE SHALL BE A CHANGE IN THE EXECUTIVE DIRECTOR'S COMPENSATION SHALL BE REVIEWED WITH THE FINANCE COMMITTEE BASED ON HIS/HER PERFORMANCE EVALUATION, AVAILABILITY OF FUNDS AND REASONABLY AVAILABLE INFORMATION REGARDING COMPENSATION PAID BY AT LEAST THREE COMPARABLE ORGANIZATIONS IN THE SAME OR SIMILAR COMMUNITIES FOR SIMILAR POSITIONS INVOLVING SIMILAR SERVICES. WHERE PRACTICABLE, SUCH INFORMATION SHOULD INCLUDE (1) DOCUMENTED TELEPHONE INQUIRIES ABOUT SIMILAR POSITIONS IN NON-PROFIT AND FOR-PROFIT ORGANIZATIONS, (2) WRITTEN JOB OFFERS AT SIMILAR ORGANIZATIONS, (3) INFORMATION FROM THE FORM 990 FILINGS OF OTHER NON-PROFIT ORGANIZATIONS, (4) STUDIES BY INDEPENDENT COMPENSATION EXPERTS, AND/OR (5) INFORMATION AVAILABLE FROM RELIABLE, INDEPENDENT ORGANIZATIONS THAT GATHER AND PROVIDE THIS TYPE OF INFORMATION. THE PERSONNEL COMMITTEE SHALL DOCUMENT, IN THE MINUTES OF ITS PROCEEDINGS, THE REASONS SUPPORTING ITS RECOMMENDATIONS. THE PROCESS FOR DETERMINING THE EXECUTIVE DIRECTOR'S SALARY WAS UNDERTAKEN IN NOVEMBER OF 2025. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS FORM 990 AVAILABLE FOR PUBLIC INSPECTION AS REQUIRED UNDER SECTION 6104 OF THE INTERNAL REVENUE CODE. THE RETURN IS POSTED ON CANDID.ORG AND OTHER SIMILAR TYPES OF WEBSITES. IN ADDITION, THE FINANCIAL STATEMENTS, CONFLICT OF INTEREST POLICY, ARTICLES OF INCORPORATION AND BY-LAWS ARE ALSO AVAILABLE UPON WRITTEN REQUEST. BIRNAM WOOD ASSOCIATES LTD 470 MAMARONECK AVENUE WHITE PLAINS NY 10605 133756602 OWN REAL ESTATE TO HOUSE MENTALLY ILL INDIVIDUALS NY 501(C)(3) LINE 12A, I WESTCHESTER RESIDENTIAL OPPORTUNITIES INC 1 0 0 0 0 0 0 0 0 0 0 1 0 0 1 1 0 1 0 0