Late Payment and Failure to Withhold or Collect Tax as Required by Law - Two (2) percent of the total tax due for each 30 days or fraction thereof that a payment is late. 5% for underpayments. The maximum late-payment penalty is 25% of taxes owed. 008196721% x 15 = 0. Loan approval may take 1-2 business days, depending on your submitted supporting documents. If a business fails to issue a form by the 1099-NEC or 1099-MISC deadline, the penalty varies from $60 to $310 per form for 2023, depending on how long past the deadline the business issues the form. 95%. Buy now, pay later even without credit card. 5% late filing and 25% late payment) of the tax. One time late payment fee is 500₱ (in case of delinquency of each monthly payment). The shift from October 10 to October 11 is due to October 10, 2022. IRS Interest Rates Table. 2 Failure To File/Failure To Pay Penalties 20. 5%, which makes an even 5% a month combined. I’ve even offered to pay. Walang kaukulang penalties at late fees na ipapataw sa inyong loan sa loob ng nasabing quarantine period. (the “Promo Period”) Cashalo borrower (Participant) will get a One (1) electronic raffle ticket for each successful payment of their loan within the promo period and a chance to win for a prize more than once if chosen. This is a reminder to pay your loans early to avoid late fees and penalties. e. Late payment penalties would apply to all employer Social Security taxes deferred under the CARES Act, if any repayments are late. 2023, including the 2022 individual income tax returns due on April 18 and the quarterly estimated tax payments, typically due on January 17, 2023 and April 18, 2023. This change took effect January 1, 2005, for tax year 2004 returns. 2022, and the employer does not pay the full amount of the notice by February 17, 2022, the penalty rate increases to 15 percent (i. 60 CIVIL PENALTIES. 4%. Remember, these fees and interests are added expenses. The IRS imposes a failure to pay penalty of 0. 16, 2023, deadline also applies to the quarterly estimated tax payments, normally due on Jan. If your taxes are over 60 days late, the minimum penalty is whichever is less between $435 and 100% of the tax you owe. Taxpayers who file a late tax return and have a balance due can face significant monetary penalties. The most common of these penalties are for late payment of tax or for the failure to file a required return. ; Enter calculated amounts in: Interest (1= automatic) (if applicable). The failure-to-pay penalty is normally 0. 1st loan. a 5% late filing fee plus a 0. , with SEC Registration No. The late cost for SPayLater ranges from 2. Cashalo - Higit sa Cash, Kasalo!Interest and penalties on a balancing owing if you file or pay taxes late, and eligibility for interest relief. 5% late payment penalty. Go to IRS Instructions for Form 2210 Underpayment of Estimated Tax by Individuals, Estates, and Trusts for more information. 02. Penalty for Late Payments . 1. If you delay payment longer, you would cap out at a maximum of $250. The maximum penalty amount is 25 percent of the tax left unpaid on the payment due date. FAQ. As I have said quite a few times, if you don’t pay your Colorado state taxes on time, you’ll face a penalty. Cashalo PayLater cannot be used if the user is late making a payment because the Cashalo system will automatically block the user’s access. House Ways. The Internal Revenue Service. 33. that the person had to pay a late enrollment penalty. Even though a pass-through entity may incur penalties for late payment of PTE tax, they will likely be better. If you cannot pay your balance owing, you should still file on time to avoid being charged the late-filing penalty. spend of P1500 Click. A company disagree with the imposition of late payment penalty may within 30 days of the issuance of statement of account, submit a written appeal to the relevant HASiL Office (Collections Unit). The sum of the following cash loans. Company will still be required to pay the tax liability even if the company submit an appeal against an assessment. 11. If your 2022 federal adjusted gross income is $73,000 or less,. Detailed information. After that, any unclaimed tax refunds get turned over to the U. 00 : Denmark :Click on the Detail tab. 2. The penalty is imposed on the net amount due. Notice 2022-36 is welcome relief, especially for international information returns that result in enormous penalties for failure to timely file. see “Removal of Penalties - Reasonable Cause. For a late filing, there is a flat 2% applied to the total of the tax due or $250, whichever is smallest. The fine would be equal to the short-term federal rate plus three percentage points. Personal loans are one of the most flexible loan types. 362, imposes a 5. 0% penalty on the amount of franchise tax due by a taxable entity that fails to report or pay the tax when due. CSC201800209 and Certificate of Authority No. , with SEC Registration No. Personal – The range for a personal loan is around 4% to 25%. The penalty is: 3% if the amount is 1 to 3 days late. Client has late payment penalties. Cashalo is a fintech platform that delivers digital credit to Filipinos – helping them elevate their financial well-being. Say you file your five required forms within a week of the due date, sending in both your recipient and IRS copies at the same time. IRS Interest Rates. EU country: 1 July 2023 – 31 December 2023: Austria : 12. Failure to darken the headlamps. The negligence penalty for late filing or late payment applies if you. The department is assessing penalties on unpaid fourth-quarter amounts starting on January 18, 2023. Make sure all information is correct to ensure repayment is processed. Views 1215. 1 See AICPA Letter, “Notice 2022-36 Penalty Relief for Certain Taxpayers Filing Returns for Taxable years 2019 and. 15, 2023, and Jan. Recommendation: Great match for people who are looking for a fast cash loan that has low-interest rates. 5% failure-to-pay penalty. Sacramento - The California Franchise Tax Board today reminded taxpayers that October 16 is the deadline for most Californians to file and pay their 2022 taxes to avoid penalties. Sacramento -- The California Franchise Tax Board today confirmed that most Californians have until November 16, 2023, to file and pay their tax year 2022 taxes to avoid penalties. Interest rate: Starts at 3. However, the online harassment you're experiencing will land whoever is doing it in jail if you file a case. Medium to long term growth story of BNPL. For LazPayLater. Atome’s partner brands include ZALORA, Aldo, Garmin, HairMNL, The SM Store, and Rustan’s. Input your information and loan terms and submit your application 3. For example, you may charge a late fee of $25 when an invoice is not paid according to the terms. July 7, 15, and 30, 2022. If you’re unable to pay, the bank will find ways to get back at you. Examples: Your check bounced, you did not have enough money in your bank account, or you stopped payment. For example, a borrower who took 5,000₱ for 90 days gets 5,000₱ and has to return 7,500₱ in 3 equal instalments, 2,500 interest fees. Terms of Money Cat payment extension 2022: You can extend the loan. In a Q&A on its website, the FTB says, “If you file your 2022 tax return now but wait to pay your tax, we will not impose a late payment penalty for the 2022 tax year if you pay your 2022 tax in. Interest and a penalty may be charged if you do not pay any of your required instalments, pay late, or pay too little. , with SEC Registration No. Published: 06 Jan 2022. If an individual has an underpayment of estimated tax, they. Make sure you pay on time or before your due date to avoid late payment fees on your account. However, with smaller balances, you’re likely to pay more than 25% because you’ll be hit with a minimum penalty that applies when you’re more than 60 days late. IR-2022-91, April 19, 2022 — The IRS encourages taxpayers who missed Monday’s April 18 tax-filing deadline to file as soon as possible. It is designed for Filipinos, by. 23, 2022, and ending Dec. Install the Cashalo app and signup, complete the User Profile and submit necessary documents. For LazPayLater. 5% of the unpaid balance for each month (or part of a month) the tax isn't paid. [0] Internal Revenue Service . Loan penalty condonation is when a lending company allows you to restructure your loan payments or extend your loan payments devoid of penalties to help you pay the full. (a) Failure to timely file return. Form 1099-K reporting transition period. If a taxpayer receives a late filing or payment penalty notice related to the postponement period, they should call the number on the notice to have the penalty abated. Select Payment Option. , $7,500 in the example above). The Division of Taxation will issue a bill. The. If you're not able to pay the tax you owe by your original filing due date, the balance is subject to interest and a monthly late payment penalty. 5% to 5% of the total amount still owed. Labor Code, § 203, subd. An additional 5% of the tax not paid within 180 days after filing your return or April 18, whichever date is later. While taxpayers due a refund receive no penalty for filing late, those who owe and missed the deadline without requesting an extension should file quickly to limit penalties and interest. 5% of the tax owed and up to 25% for each month the tax remains unpaid. 2022. 2019–December 2021, her penalty in 2022 was 29% (1% for each of the 29 months) of $33. The penalties depends on the lending company. a Rhode Island personal income tax return and you have a balance due, you will be subject to a late-filing penalty, late-payment penalty, and interest that currently accrues at a rate of 18%. Cashalo; BillEase; Grab Pay Later; UnaPay; Plentina; Zip;This penalty is usually calculated at 0. —. Current as of December 30, 2022 | Updated by FindLaw Staff. Reader Interactions. You can avoid a. OTR will charge 10 percent interest, compounded daily, on any underpayment of estimated taxes. Don't miss out on the promotions and deals that you can grab from Cashalo. 2022. 5% late filing and 0. g. People who don’t owe the IRS money for the 2022 tax year, such as people getting a tax refund, don’t have to pay penalties for missing the filing deadline. 1162 Walang kaukulang penalties at late fees na ipapataw sa inyong loan sa loob ng nasabing quarantine period. 5 Ways to Get Your Renters to Pay Rent On Time. 5% of your taxes owed for each month or partial month your bill is unpaid. Penalties for late payments can be given in 3 stages: 1% penalty on the day after payment due date; 4% penalty for remaining tax including penalties on 7 th day after payment due. every 15 days, 30 days). The sum of the following cash loans ranges from ₱500 to ₱10,000. 16, 2024. The Oct. Hotline: (02) 7902-1080 / 09189309800 / 09171163636. There are several reasons Cashalo PayLater cannot be used due to late payment of bills, including: Protection and Reliability. (You'll need 110% of. Updated 10/5/22: Due to the federal holiday observance on October 10, the Penalties on payroll and excise tax deposits due date changed to October 11, 2022. All loans under the Cashalo Platform are financed by Paloo. 5% failure-to-file penalty and a 0. Other LTO fines and penalties 2022 for breaking traffic rules. , with SEC Registration No. Once the filing is 60 days overdue, there is a minimum failure to file penalty amount. Visitors This Year : ( 2022 )-Contact Data CONTACT: ResearchAndMarkets. Filing and paying as much as possible is key because the late-filing penalty and late-payment penalty add up quickly. Learn more here. However, in line with Indiana Code 6-8. Cashalo is now one of the top lending applications used to pay by installments for shopping. 5% to 5. (the “Promo Period”) Cashalo borrower (Participant) will get a One (1) electronic raffle ticket for each successful payment of their loan within the promo period and a chance to win for a prize more than once if chosen. , with SEC Registration No. This penalty depends on how long your taxes remain unpaid. Revised Statute 47:1602 imposes delinquent filing and delinquent payment penalties for failure to file the tax return or failure to pay the tax due by the due date. Promotion shall only be open to all Shopee End-Users who will pay their bills via ShopeePay on the Platform (the “Qualified User”). Payer eventually paid the tax and penalties on 25 May 2023. Penalty for default in making payment of Tax As per section 220(1), when a demand notice under section 156 has been issued to the taxpayer for payment of tax (other than notice for payment of advance tax), then such amount shall be paid within a period of 30 days of the service of the notice at the place and to the person mentioned in the notice. 1162 Down payment: 20% (Php1,400) Loan amount: Php5,600. This provision will be effective for tax assessed on or after July. 16, 2023. Download the. 74. How to be Eligible for. One time late payment fee is 500₱ (in case of delinquency of each monthly payment). 7 million by 2028. 2. 00. Instructions. Cashalo is the online app from Oriente group. But those people won’t receive. 5% of the unpaid tax per month based on the return's original due date. A further penalty of $200 is imposed for every completed month that the GST F5/F8 return is not filed. 50 = Mrs. Pay at least part of what you owe by the. Interest rate 5,99% per month. —. HMRC charges 4% from day 31 of the payment being overdue up to and including day 51 when the company pays in full. Late payment fee: ₱200 if payment is one to 30 days late ₱600 if payment is 31 to 60 days late ₱400 if payment is 61 to 90 days late ₱600 if payment is more than 90 days late; #LazPay Later. We calculate the penalty based on: The amount of. Late payment of tax (1= automatic) (if applicable). 5% monthly interest rate (depending on loan amount) Tenure: 3 to 30 months repayment period Fees: ₱500 processing fee. *Note: If your principal residence or place of business is in Modoc or Shasta counties, income tax filing and payment deadlines that fall between Feb. 16, 2023, for most California taxpayers. TaxAct CANNOT calculate late filing nor late payment penalties. INFO. , with SEC Registration No. While the law requires taxpayers to file by April 20, taxpayers are granted an automatic 6-month extension (no form is required to request the extension) to file the return through October 20, 2023 if. You won’t owe federal penalties if you’ve paid, over the course of 2022 and through the Jan. 23, 2022, that interest rates for underpayments and overpayments will increase for the second quarter 2022. This penalty is calculated at a rate of 0. 2. More severe penalties may also be charged under a variety of other circumstances, such as negligence, fraud, or willful failure to file. CSC201800209 and Certificate of. 1. com For E. And there's another key deadline of Sept. So, let's say you owe the IRS $5,000 from 2022. The late-payment penalty is 0. The lowest priced loanable flow can be P2,000. If you pay late, you’ll owe 2% of the tax due within 30 days, 10% if paid between 30 and 90. +. In the past, auditors. 5% of the unpaid taxes. Disobeying traffic lights like beating the red light penalty. Upon checkout, s elect “Cashalo Installments” from Dragonpay’s dropdown list. Apps. Loan approval may take 1-2 business days, depending on your submitted supporting documents. 68. Each loan agreement comes with overdue charges that the borrower agrees to pay in cases like these. You can get a credit limit of up to ₱ 15,000. For federal tax information, go to the Interest and penalties page of the Canada Revenue Agency's (CRA) website. 5% of the amount of tax owed if it is less than 1 month late, plus an additional 0. 2 percent) or Medicare taxes (2. It is one of the most popular lenders in the Philippines which provides quality service and loans up to PHP 15. Updated: 11:24 PM EDT April 17, 2022 WINDHAM COUNTY, Conn. IRS Interest Rates Table. The first IRS penalty was for a failure to pay the amount owed on time. This provision will be effective for tax assessed on or after July 1, 2022. If the tax-due date is July 15, 2020, and the taxpayer pays on July 30, 2020, the payment is 15 days late – using the formula – $300 x 0. If this makes the payment late, then interest would be charged as well. To do this, you have to pay 7% of the loan amount and additional fees. Book as many tickets for as many passengers as you want, as long as it is within the loan limit. If a business intentionally disregards the requirement to provide a correct. FTA is mainly used to remove (abate) the failure to file and failure to pay penalties for individuals and businesses. Makakapag-Adjust ng Budget Ang ipangbabayad ninyo sa Cashalo, pwede munang gamitin para sa ibang pangangailangan, tulad ng pagkain, gamot, at iba pa. Taxpayers who wilfully fail to file can also face criminal sanctions. the affected taxpayer could receive a late filing or late payment penalty notice from the IRS. The rates are: 2022 Interest categories Qtr 1 Jan. Download pdf (2. Statutory interest rates per country . If you cannot pay your balance owing, you should still file on time to avoid being charged the late-filing penalty. This includes 2022 individual income tax returns due on April 18, as well as various 2022 business returns normally due on March 15 and April 18. 9 percent of wages). WASHINGTON — The Internal Revenue Service today announced that interest rates will increase for the calendar quarter beginning July 1, 2022. Waiver of. 1162. If you didn't get an extension. Use voucher code CASHALO100JUL for P100 OFF with min. Updated 10/5/22: Due to the federal holiday observance on October 10, the Penalties on payroll and excise tax deposits due date changed to October 11, 2022. Employers that received an advance payment of the employee retention credit (ERC) or reduced their employment tax deposits in anticipation of receiving the ERC for the fourth calendar quarter of 2021 may repay or deposit the taxes without penalty under guidance issued Monday by the IRS (Notice 2021-65). LazPayLater is a Lazada BNPL program for select users with 0 % Interest rate for 45-day term. Funding Method. 1st - Jun. 5% for each month or part of a month that the tax goes unpaid, up to a total of 25% of the remaining amount due. 1. All loans under the Cashalo Platform are financed by Paloo Financing Inc. 5% failure-to-file penalty and a 0. Second quarter (April 1 – June 30, 2022): 3% for overpayments (2% for corporations)WASHINGTON — The Internal Revenue Service today announced that interest rates will remain the same for the calendar quarter beginning January 1, 2022. Your Medicare Part D penalty would be 24 percent of the national base premium, one percent for each of the 24 months you waited. IR-2022-107, May 20, 2022. 0% penalty is imposed on the amount of tax unpaid. Current as of December 30, 2022 | Updated by FindLaw Staff. 16. All loans under the Cashalo Platform are financed by Paloo Financing Inc. Appeal Against Tax Increase For Delay In Income Tax Payment. Please note that these diagnostics will not. +63. How much you need to pay as a fine will depend on how late you are in filing the returns. 5% rate for the late filing penalty increases to 1% per month. Open your Cashalo app and tap Shop Online 2. If you missed the deadline you might receive a failure-to-file penalty. Failure to file penalty (5% per month, maximum of 25%). In recognition of the pressure faced this year by taxpayers and their agents, HMRC is to allow an extra month before it. How to pay Cashalo loan? When it comes to authorized repayment outlets, there is nothing to worry about because Cashalo has many partner merchants you can choose from: Online payment via E-wallet (Gcash, PayMaya,. 15 have been extended until November 16, 2023. 4. In the top right corner, tap the wallet icon. The borrower has also been offered a choice of another product without a prepayment penalty. The minimum amount of cash you can borrow is PHP20, 000. Pay-by-Refund. On August 24, 2022, the IRS announced that it will grant relief for failure-to-file (FTF) penalties on the following 2019 and 2020 federal tax returns: Income tax returns: most Form 1040 and 1120 series returns, Forms 1041, 1065, 1066, 990-T, and 990-PF; and. the failure-to-pay penalty remains unchanged for all years — 0. Late payment fee: ₱200 if payment is one to 30 days late ₱600 if payment is 31 to 60 days late ₱400 if payment is 61 to 90 days late ₱600 if payment is more than 90 days late; #LazPay Later. The easiest, most accurate, most advanced, IRS penalty & interest calculator available with an accuracy guarantee. We are aware that farmers and fishermen, as defined in Internal Revenue Code section 6654(i)(2)(A) for purposes of estimated taxes, according to IR-2022-49 have had issues with filing their 2021 tax returns and paying the tax by the March 1, 2022, due date for those taxpayers who did not make an estimated tax payment by January 18, 2022. Fines, penalties, fees if borrower didn´t pay on time;. Search; Log in ; Services ;. Returns filed after April 15th without a valid extension are also subject to a late payment penalty of 10 percent of the unpaid tax. Step 1. m. If the company was late in paying this first installment, it would be subject to a 10% penalty on the entire $186,000 in deferred taxes, for a penalty of $18,600, even though the second installment would not otherwise be due until Dec. Again, meron silang option to pay of up to 3 months pero shempre the more na matagal bayaran the more na mataas ang interest. The increase in taxes for late payment of instalments will not be imposed for instalments deferredNew York. 1 This bulletin discusses the penalty provisions of the Revenue Act, added by the Taxpayer Bill of Rights amendments in Public Acts 13 and 14 of 1993, Public Act 657 of 2002, and the administrative rules on waiver of penalty for reasonable cause. Apply online and choose other payment methods such as check, money order or credit card payments: $149. Late-payment penalties of 0. The penalty rates used on. com Cashalo is the online app from Oriente group. Examples: Your check bounced, you did not have enough money in your bank account, or you stopped payment. 2 billion in tax refunds owed to taxpayers who paid penalties for late tax returns in 2020 and. So, for example, if you were subject to the 5% failure-to-file penalty and the . The late payment penalty is 0. 5% of the unpaid taxes for each month or part of a month the tax remains unpaid. (e) Penalty and interest on delinquent taxes. Read our. JesterBondurant. If you fail to pay your total tax liability by April 18, 2023, you will incur a late payment penalty plus interest. Late payment penalties start from the day after the payment due date. Doing so might help minimize unwanted late payment penalties. beginning of the taxable year, a late payment penalty plus interest will be assessed for failure to pay the annual LLC tax by the due date. The late payment penalty is generally between 10% and 25%, depending on the benefit and the reason for the delay. Tonik is also a convenient option because it can be used from the comfort of your own home. 5% late payment) for each month, or part of a month, that your. Quarterly Estimated Tax Payment: Tax Year 2022 4th quarter estimated tax payment with a deadline of January 17, 2023 and Tax Year 2023 estimated tax payments normally due April 18, June 15 and Sept. . It is designed for Filipinos, by Filipinos. COEUR d’ALENE — Kootenai County commissioners have authorized the cancelation of penalties and interest on tax. Repay via ShopeePay. 10. Abatement of Penalties. . 3. Bisitahin ang aming website para sa detalye. 2022 if you met the conditions and received COVID-19 benefits in 2020. 3 months — you may have to pay a penalty of £10 a day, for a maximum of 90 days (£900). The interest rates are also flexible to ensure you don’t strain your finances. CSC201800209 and Certificate of Authority No. All loans under the Cashalo Platform are financed by Paloo Financing Inc. Let's go back to your example above. This penalty could result from two different underpayment situations and is assessed at either 2 percent or 10 percent of the unpaid liability based on the number of days the payment is late. There are two penalty provisions in the California Labor Code: § 4650 penalties of 10% for overdue payments of: temporary disability benefits. Then, tap Send Code. If your return was over 60 days late, the minimum Failure to File penalty is $435 (for tax returns required to be filed in 2020, 2021 and 2022) or 100% of the tax required to be shown on the return, whichever is less. Upon checkout, s elect “Cashalo Installments” from Dragonpay’s dropdown list. WASHINGTON — Victims of Hurricane Ian that began September 23 in Florida now have until February 15, 2023, to file various individual and business tax. Failure to Pay Penalties. At this point, it is worth asking why the taxpayers did not request abatement of the penalty amounts under the FTA policy. Promotion is limited to one transaction per voucher code and may not be used with other vouchers. Why you received this penalty. Cashalo only works in accordance with Philippine law. 1 star 167K reviews 5M+ Downloads Rated for 3+ info Install About this app arrow_forward Cashalo is your financial partner, whether for urgent needs or to shop for the Iatest gadgets. This also means that if a Cashalo is a fintech platform that delivers digital credit to Filipinos – helping them elevate their financial well-being. Late payment fee. Receive the itemTable 4-1. , Address: 16F World Plaza, BGC, Taguig City, Philippines 1634. The penalty is generally calculated at five percent of the tax liability for each month the return is filed late, up to a maximum of 25 percent. A late payment is assessed a late payment penalty of . Ang Cashalo ay isa sa mga online lenders na nagbibigay ng mababang interest campare sa ibang lenders. The penalty you will have to pay will equal the federal short-term interest rate plus five and one half percentage points (adjusted quarterly), but not less than 7. 5% late filing and 25% late payment) of the tax. Payer did not pay the tax by the due date and received a late payment penalty notice with 5% penalty added to the overdue tax. Leave a Reply Cancel reply. 95% PTE tax)). The average monthly premium for a Medicare Part D plan in 2023 is $32. 5%. If you have an unpaid Cashalo Loan and have problems with returns, contact Digido urgently by [email protected] from 9:00 A. We calculate the penalty based on: The amount of the underpayment. It is. Other payment methods may take up to 24 hours to process. You might suffer from repossession or foreclosure , depending on your loan. Monthly interest rate: 5. 4. Nope, you can’t go to jail for loans. You can avail of up to Php 1,500 on your first loan with Cashalo. You must pay the late submission penalty along with the GST. Date of payment to the non-resident is on 26 Dec 2022, hence the tax payable of $7,000 is due on 15 Feb 2023. If your tax is reassessed, we may set a new due date before we charge penalties. Loans are not available to everyone. What is late-payment penalty? Late-payment penalty is a penalty assessed for failure to pay the tax you owe by the due date. PAY WITH CASHALO; 0% interest rate if you pay on-time! Pay with Cashalo loan has a 5% Processing Fee. 5% p. Since your 2020 refund was issued in 2022, we cannot issue a Form 1099-G as if the transaction took place in 2021. (1) PREPAYMENT PENALTIES. 008196721%. You can repay your loan in real-time through Cashalo’s official payment channels: Over the Counter: • 7-Eleven • Bayad Center • Cebuana Lhuillier Bills Payment • Other ECPay Outlets. If you’re unable to pay, the bank will find ways to get back at you. In total, the Oosterwijks owed $274,634. For a tax return that shows a balance due, the minimum late filing penalty is $135 or 100 percent of the tax due after applying timely payments and credits, whichever is less. The penalty you want us to reconsider (for example, a 2021 late filing penalty) For each penalty, an explanation of why you think we should remove it; If a notice or letter we sent you has instructions or deadlines for disputing the penalty, pay careful attention. State of California (2016) 1 Cal. 95%. 12 : Croatia : 12.