Модель по умолчаниюМежквартильное среднее (Отобранный список)

Lorient v Brest

2026-11-02 19:45 UTC — Ligue 1 - France

Победитель встречи

52 букмекерские конторы (18 в анализе )

Оценка вероятности каждого исхода по модели: Межквартильное среднее (Отобранный список)

Lorient (Хозяева)

Прогноз 38.19%2.62справедливый коэффициент
EV -0.318%
Преимущество -0.122%
Kelly -0.197%
Рост +0.000%

при максимальном коэффициенте 2.61

Распределение прогнозов букмекерских контор
36.60%38.22%38.22%40.06%МИН.СРЕДНЕЕМЕДИАНАМАКС.
Распределение коэффициентов
2.282.422.402.6143.86%41.35%41.67%38.31%МИН.СРЕДНЕЕМЕДИАНАМАКС.

Brest (Гости)

Прогноз 33.59%2.98справедливый коэффициент
EV +0.784%
Преимущество +0.261%
Kelly +0.392%
Рост +0.003%

при максимальном коэффициенте 3.00

Распределение прогнозов букмекерских контор
32.48%33.60%33.46%34.39%МИН.СРЕДНЕЕМЕДИАНАМАКС.
Распределение коэффициентов
2.622.802.803.0038.17%35.71%35.71%33.33%МИН.СРЕДНЕЕМЕДИАНАМАКС.

Ничья

Прогноз 28.21%3.54справедливый коэффициент
EV +1.57%
Преимущество +0.435%
Kelly +0.602%
Рост +0.009%

при максимальном коэффициенте 3.60

Распределение прогнозов букмекерских контор
26.90%28.17%28.32%29.51%МИН.СРЕДНЕЕМЕДИАНАМАКС.
Распределение коэффициентов
3.053.313.303.6032.79%30.24%30.30%27.78%МИН.СРЕДНЕЕМЕДИАНАМАКС.

Для рынка «Победитель встречи» модель Межквартильное среднее (Отобранный список) оценивает вероятности так: Lorient (Хозяева): 38.19%; Brest (Гости): 33.59%; Ничья: 28.21%. Для исхода «Ничья» эта оценка соответствует справедливому десятичному коэффициенту 3.54. 1 букмекер предлагает коэффициент выше этого уровня; лучший доступный коэффициент — 3.60, что даёт положительное математическое ожидание +1.57%.

Коэффициенты букмекерских контор (52 букмекерские конторы)

Мы не связаны ни с одной букмекерской конторой и ничего не зарабатываем на действиях, совершаемых у них.

Букмекерская контораХозяеваГостиНичья ▼МаржаОбновлено
Coolbet🎯2.45I 40.82%NM 39.60%EV -6.43%E -2.62%K -4.43%G +0.000%2.90I 34.48%NM 33.45%EV -2.58%E -0.888%K -1.36%G +0.000%3.60I 27.78%NM 26.95%EV +1.57%E +0.435%K +0.602%G +0.009%3.1%2026-10-27 11:22
1xBet🎯2.61I 38.31%NM 37.75%EV -0.318%E -0.122%K -0.197%G +0.000%2.87I 34.84%NM 34.33%EV -3.58%E -1.25%K -1.92%G +0.000%3.53I 28.33%NM 27.91%EV -0.409%E -0.116%K -0.162%G +0.000%1.5%2026-10-27 10:00
SportsBet🎯2.35I 42.55%NM 40.06%EV -10.25%E -4.36%K -7.59%G +0.000%2.85I 35.09%NM 33.04%EV -4.26%E -1.49%K -2.30%G +0.000%3.50I 28.57%NM 26.90%EV -1.26%E -0.359%K -0.502%G +0.000%6.2%2026-10-27 11:19
Unibet (SE)🎯2.48I 40.32%NM 39.28%EV -5.28%E -2.13%K -3.57%G +0.000%3.00I 33.33%NM 32.48%EV +0.784%E +0.261%K +0.392%G +0.003%3.45I 28.99%NM 28.24%EV -2.67%E -0.773%K -1.09%G +0.000%2.6%2026-10-27 10:00
LeoVegas (SE)🎯2.48I 40.32%NM 39.28%EV -5.28%E -2.13%K -3.57%G +0.000%3.00I 33.33%NM 32.48%EV +0.784%E +0.261%K +0.392%G +0.003%3.45I 28.99%NM 28.24%EV -2.67%E -0.773%K -1.09%G +0.000%2.6%2026-10-27 10:00
Svenska Spel🎯2.48I 40.32%NM 39.28%EV -5.28%E -2.13%K -3.57%G +0.000%3.00I 33.33%NM 32.48%EV +0.784%E +0.261%K +0.392%G +0.003%3.45I 28.99%NM 28.24%EV -2.67%E -0.773%K -1.09%G +0.000%2.6%2026-10-27 10:00
ATG (SE)🎯2.48I 40.32%NM 39.28%EV -5.28%E -2.13%K -3.57%G +0.000%3.00I 33.33%NM 32.48%EV +0.784%E +0.261%K +0.392%G +0.003%3.45I 28.99%NM 28.24%EV -2.67%E -0.773%K -1.09%G +0.000%2.6%2026-10-27 10:00
LowVig.ag🎯2.50I 40.00%NM 38.66%EV -4.52%E -1.81%K -3.01%G +0.000%2.90I 34.48%NM 33.33%EV -2.58%E -0.888%K -1.36%G +0.000%3.45I 28.99%NM 28.01%EV -2.67%E -0.773%K -1.09%G +0.000%3.5%2026-10-27 11:20
BetOnline.ag🎯2.50I 40.00%NM 38.66%EV -4.52%E -1.81%K -3.01%G +0.000%2.90I 34.48%NM 33.33%EV -2.58%E -0.888%K -1.36%G +0.000%3.45I 28.99%NM 28.01%EV -2.67%E -0.773%K -1.09%G +0.000%3.5%2026-10-27 11:19
Fanatics🎯2.50I 40.00%NM 37.82%EV -4.52%E -1.81%K -3.01%G +0.000%2.75I 36.36%NM 34.38%EV -7.61%E -2.77%K -4.35%G +0.000%3.40I 29.41%NM 27.81%EV -4.08%E -1.20%K -1.70%G +0.000%5.8%2026-10-27 09:59
Coral🎯2.45I 40.82%NM 38.53%EV -6.43%E -2.62%K -4.43%G +0.000%2.80I 35.71%NM 33.71%EV -5.93%E -2.12%K -3.30%G +0.000%3.40I 29.41%NM 27.76%EV -4.08%E -1.20%K -1.70%G +0.000%5.9%2026-10-27 09:59
Betr (AU)🎯2.40I 41.67%NM 39.25%EV -8.34%E -3.47%K -5.96%G +0.000%2.85I 35.09%NM 33.05%EV -4.26%E -1.49%K -2.30%G +0.000%3.40I 29.41%NM 27.70%EV -4.08%E -1.20%K -1.70%G +0.000%6.2%2026-10-27 11:20
theScore Bet🎯2.40I 41.67%NM 39.02%EV -8.34%E -3.47%K -5.96%G +0.000%2.80I 35.71%NM 33.44%EV -5.93%E -2.12%K -3.30%G +0.000%3.40I 29.41%NM 27.54%EV -4.08%E -1.20%K -1.70%G +0.000%6.8%2026-10-27 12:07
Sky Bet🎯2.38I 42.02%NM 39.22%EV -9.10%E -3.82%K -6.60%G +0.000%2.80I 35.71%NM 33.33%EV -5.93%E -2.12%K -3.30%G +0.000%3.40I 29.41%NM 27.45%EV -4.08%E -1.20%K -1.70%G +0.000%7.1%2026-10-27 11:50
Bet Right🎯2.40I 41.67%NM 38.78%EV -8.34%E -3.47%K -5.96%G +0.000%2.75I 36.36%NM 33.84%EV -7.61%E -2.77%K -4.35%G +0.000%3.40I 29.41%NM 27.37%EV -4.08%E -1.20%K -1.70%G +0.000%7.4%2026-10-27 11:20
FanDuel🎯2.35I 42.55%NM 39.52%EV -10.25%E -4.36%K -7.59%G +0.000%2.80I 35.71%NM 33.17%EV -5.93%E -2.12%K -3.30%G +0.000%3.40I 29.41%NM 27.31%EV -4.08%E -1.20%K -1.70%G +0.000%7.7%2026-10-27 11:20
Betfair Sportsbook (UK)🎯2.30I 43.48%NM 40.03%EV -12.16%E -5.29%K -9.35%G +0.000%2.80I 35.71%NM 32.88%EV -5.93%E -2.12%K -3.30%G +0.000%3.40I 29.41%NM 27.08%EV -4.08%E -1.20%K -1.70%G +0.000%8.6%2026-10-27 11:50
Paddy Power🎯2.30I 43.48%NM 39.80%EV -12.16%E -5.29%K -9.35%G +0.000%2.75I 36.36%NM 33.28%EV -7.61%E -2.77%K -4.35%G +0.000%3.40I 29.41%NM 26.92%EV -4.08%E -1.20%K -1.70%G +0.000%9.3%2026-10-27 11:20
Codere (IT)🎯2.55I 39.22%NM 37.65%EV -2.61%E -1.02%K -1.68%G +0.000%2.85I 35.09%NM 33.69%EV -4.26%E -1.49%K -2.30%G +0.000%3.35I 29.85%NM 28.66%EV -5.49%E -1.64%K -2.34%G +0.000%4.2%2026-10-27 13:00
DraftKings🎯2.40I 41.67%NM 38.86%EV -8.34%E -3.47%K -5.96%G +0.000%2.80I 35.71%NM 33.31%EV -5.93%E -2.12%K -3.30%G +0.000%3.35I 29.85%NM 27.84%EV -5.49%E -1.64%K -2.34%G +0.000%7.2%2026-10-27 10:35
Winamax (DE)🎯2.45I 40.82%NM 37.90%EV -6.43%E -2.62%K -4.43%G +0.000%2.70I 37.04%NM 34.39%EV -9.29%E -3.44%K -5.47%G +0.000%3.35I 29.85%NM 27.72%EV -5.49%E -1.64%K -2.34%G +0.000%7.7%2026-10-27 12:55
PointsBet (AU)🎯2.50I 40.00%NM 37.50%EV -4.52%E -1.81%K -3.01%G +0.000%2.75I 36.36%NM 34.09%EV -7.61%E -2.77%K -4.35%G +0.000%3.30I 30.30%NM 28.41%EV -6.90%E -2.09%K -3.00%G +0.000%6.7%2026-10-27 09:59
Neds🎯2.45I 40.82%NM 38.21%EV -6.43%E -2.62%K -4.43%G +0.000%2.80I 35.71%NM 33.43%EV -5.93%E -2.12%K -3.30%G +0.000%3.30I 30.30%NM 28.36%EV -6.90%E -2.09%K -3.00%G +0.000%6.8%2026-10-27 13:20
Tipico (DE)🎯2.45I 40.82%NM 38.21%EV -6.43%E -2.62%K -4.43%G +0.000%2.80I 35.71%NM 33.43%EV -5.93%E -2.12%K -3.30%G +0.000%3.30I 30.30%NM 28.36%EV -6.90%E -2.09%K -3.00%G +0.000%6.8%2026-10-27 13:00
Ladbrokes (AU)🎯2.45I 40.82%NM 38.21%EV -6.43%E -2.62%K -4.43%G +0.000%2.80I 35.71%NM 33.43%EV -5.93%E -2.12%K -3.30%G +0.000%3.30I 30.30%NM 28.36%EV -6.90%E -2.09%K -3.00%G +0.000%6.8%2026-10-27 13:19
BetMGM🎯2.45I 40.82%NM 38.21%EV -6.43%E -2.62%K -4.43%G +0.000%2.80I 35.71%NM 33.43%EV -5.93%E -2.12%K -3.30%G +0.000%3.30I 30.30%NM 28.36%EV -6.90%E -2.09%K -3.00%G +0.000%6.8%2026-10-27 13:20
Ladbrokes (UK)🎯2.45I 40.82%NM 38.21%EV -6.43%E -2.62%K -4.43%G +0.000%2.80I 35.71%NM 33.43%EV -5.93%E -2.12%K -3.30%G +0.000%3.30I 30.30%NM 28.36%EV -6.90%E -2.09%K -3.00%G +0.000%6.8%2026-10-27 13:20
Caesars🎯2.39I 41.84%NM 39.02%EV -8.72%E -3.65%K -6.27%G +0.000%2.85I 35.09%NM 32.72%EV -4.26%E -1.49%K -2.30%G +0.000%3.30I 30.30%NM 28.26%EV -6.90%E -2.09%K -3.00%G +0.000%7.2%2026-10-27 11:57
betfred_uk🎯2.30I 43.48%NM 39.47%EV -12.16%E -5.29%K -9.35%G +0.000%2.75I 36.36%NM 33.01%EV -7.61%E -2.77%K -4.35%G +0.000%3.30I 30.30%NM 27.51%EV -6.90%E -2.09%K -3.00%G +0.000%10.1%2026-10-27 11:19
Pinnacle🎯2.60I 38.46%NM 36.65%EV -0.699%E -0.269%K -0.437%G +0.000%2.80I 35.71%NM 34.03%EV -5.93%E -2.12%K -3.30%G +0.000%3.25I 30.77%NM 29.32%EV -8.31%E -2.56%K -3.69%G +0.000%4.9%2026-10-27 13:22
Unibet (UK)🎯2.50I 40.00%NM 37.34%EV -4.52%E -1.81%K -3.01%G +0.000%2.75I 36.36%NM 33.94%EV -7.61%E -2.77%K -4.35%G +0.000%3.25I 30.77%NM 28.72%EV -8.31%E -2.56%K -3.69%G +0.000%7.1%2026-10-27 12:59
Hard Rock Bet🎯2.40I 41.67%NM 38.75%EV -8.34%E -3.47%K -5.96%G +0.000%2.85I 35.09%NM 32.63%EV -4.26%E -1.49%K -2.30%G +0.000%3.25I 30.77%NM 28.62%EV -8.31%E -2.56%K -3.69%G +0.000%7.5%2026-10-27 10:00
BetRivers🎯2.38I 42.02%NM 38.95%EV -9.10%E -3.82%K -6.60%G +0.000%2.85I 35.09%NM 32.53%EV -4.26%E -1.49%K -2.30%G +0.000%3.25I 30.77%NM 28.52%EV -8.31%E -2.56%K -3.69%G +0.000%7.9%2026-10-27 10:00
Casumo🎯2.38I 42.02%NM 38.95%EV -9.10%E -3.82%K -6.60%G +0.000%2.85I 35.09%NM 32.53%EV -4.26%E -1.49%K -2.30%G +0.000%3.25I 30.77%NM 28.52%EV -8.31%E -2.56%K -3.69%G +0.000%7.9%2026-10-27 10:00
Unibet (NL)🎯2.38I 42.02%NM 38.95%EV -9.10%E -3.82%K -6.60%G +0.000%2.85I 35.09%NM 32.53%EV -4.26%E -1.49%K -2.30%G +0.000%3.25I 30.77%NM 28.52%EV -8.31%E -2.56%K -3.69%G +0.000%7.9%2026-10-27 09:59
betPARX🎯2.38I 42.02%NM 38.95%EV -9.10%E -3.82%K -6.60%G +0.000%2.85I 35.09%NM 32.53%EV -4.26%E -1.49%K -2.30%G +0.000%3.25I 30.77%NM 28.52%EV -8.31%E -2.56%K -3.69%G +0.000%7.9%2026-10-27 09:59
Bally Bet🎯2.38I 42.02%NM 38.95%EV -9.10%E -3.82%K -6.60%G +0.000%2.85I 35.09%NM 32.53%EV -4.26%E -1.49%K -2.30%G +0.000%3.25I 30.77%NM 28.52%EV -8.31%E -2.56%K -3.69%G +0.000%7.9%2026-10-27 09:59
LeoVegas🎯2.45I 40.82%NM 37.81%EV -6.43%E -2.62%K -4.43%G +0.000%2.75I 36.36%NM 33.69%EV -7.61%E -2.77%K -4.35%G +0.000%3.25I 30.77%NM 28.50%EV -8.31%E -2.56%K -3.69%G +0.000%7.9%2026-10-27 13:00
Winamax (FR)🎯2.40I 41.67%NM 37.82%EV -8.34%E -3.47%K -5.96%G +0.000%2.65I 37.74%NM 34.25%EV -10.97%E -4.14%K -6.65%G +0.000%3.25I 30.77%NM 27.93%EV -8.31%E -2.56%K -3.69%G +0.000%10.2%2026-10-27 12:21
Bet Victor🎯2.45I 40.82%NM 37.41%EV -6.43%E -2.62%K -4.43%G +0.000%2.70I 37.04%NM 33.95%EV -9.29%E -3.44%K -5.47%G +0.000%3.20I 31.25%NM 28.64%EV -9.72%E -3.04%K -4.42%G +0.000%9.1%2026-10-27 12:54
picklebet_au🎯2.45I 40.82%NM 37.41%EV -6.43%E -2.62%K -4.43%G +0.000%2.70I 37.04%NM 33.95%EV -9.29%E -3.44%K -5.47%G +0.000%3.20I 31.25%NM 28.64%EV -9.72%E -3.04%K -4.42%G +0.000%9.1%2026-10-27 12:22
betano_uk🎯2.45I 40.82%NM 37.41%EV -6.43%E -2.62%K -4.43%G +0.000%2.70I 37.04%NM 33.95%EV -9.29%E -3.44%K -5.47%G +0.000%3.20I 31.25%NM 28.64%EV -9.72%E -3.04%K -4.42%G +0.000%9.1%2026-10-27 12:54
Unibet🎯2.35I 42.55%NM 38.86%EV -10.25%E -4.36%K -7.59%G +0.000%2.80I 35.71%NM 32.61%EV -5.93%E -2.12%K -3.30%G +0.000%3.20I 31.25%NM 28.53%EV -9.72%E -3.04%K -4.42%G +0.000%9.5%2026-10-27 09:59
Grosvenor🎯2.35I 42.55%NM 38.86%EV -10.25%E -4.36%K -7.59%G +0.000%2.80I 35.71%NM 32.61%EV -5.93%E -2.12%K -3.30%G +0.000%3.20I 31.25%NM 28.53%EV -9.72%E -3.04%K -4.42%G +0.000%9.5%2026-10-27 10:00
TABtouch🎯2.35I 42.55%NM 38.86%EV -10.25%E -4.36%K -7.59%G +0.000%2.80I 35.71%NM 32.61%EV -5.93%E -2.12%K -3.30%G +0.000%3.20I 31.25%NM 28.53%EV -9.72%E -3.04%K -4.42%G +0.000%9.5%2026-10-27 10:00
BoyleSports🎯2.40I 41.67%NM 37.51%EV -8.34%E -3.47%K -5.96%G +0.000%2.62I 38.17%NM 34.36%EV -11.98%E -4.57%K -7.40%G +0.000%3.20I 31.25%NM 28.13%EV -9.72%E -3.04%K -4.42%G +0.000%11.1%2026-10-27 12:25
LiveScore Bet🎯2.32I 43.10%NM 38.76%EV -11.39%E -4.91%K -8.63%G +0.000%2.75I 36.36%NM 32.70%EV -7.61%E -2.77%K -4.35%G +0.000%3.15I 31.75%NM 28.55%EV -11.13%E -3.53%K -5.18%G +0.000%11.2%2026-10-27 10:00
Virgin Bet🎯2.32I 43.10%NM 38.76%EV -11.39%E -4.91%K -8.63%G +0.000%2.75I 36.36%NM 32.70%EV -7.61%E -2.77%K -4.35%G +0.000%3.15I 31.75%NM 28.55%EV -11.13%E -3.53%K -5.18%G +0.000%11.2%2026-10-27 10:00
Betclic (FR)🎯2.33I 42.92%NM 38.33%EV -11.01%E -4.73%K -8.28%G +0.000%2.68I 37.31%NM 33.32%EV -9.97%E -3.72%K -5.93%G +0.000%3.15I 31.75%NM 28.35%EV -11.13%E -3.53%K -5.18%G +0.000%12.0%2026-10-27 12:55
Everygame🎯2.50I 40.00%NM 36.60%EV -4.52%E -1.81%K -3.01%G +0.000%2.70I 37.04%NM 33.89%EV -9.29%E -3.44%K -5.47%G +0.000%3.10I 32.26%NM 29.51%EV -12.54%E -4.05%K -5.97%G +0.000%9.3%2026-10-27 12:24
Unibet (FR)🎯2.30I 43.48%NM 38.32%EV -12.16%E -5.29%K -9.35%G +0.000%2.65I 37.74%NM 33.26%EV -10.97%E -4.14%K -6.65%G +0.000%3.10I 32.26%NM 28.43%EV -12.54%E -4.05%K -5.97%G +0.000%13.5%2026-10-27 12:22
PMU (FR)🎯2.28I 43.86%NM 38.58%EV -12.92%E -5.67%K -10.09%G +0.000%2.70I 37.04%NM 32.58%EV -9.29%E -3.44%K -5.47%G +0.000%3.05I 32.79%NM 28.84%EV -13.95%E -4.57%K -6.81%G +0.000%13.7%2026-10-27 10:00
Маржа = Маржа · I = Подразумеваемая вероятность · NM = Вероятность без маржи · EV = Ожидаемая ценность · E = Преимущество · K = Критерий Келли · G = Рост капитала

Обновлено — время последнего изменения коэффициента каждой букмекерской конторой. Более раннее время означает лишь, что коэффициент не менялся, а не что он устарел. Конторы, от которых около 15 минут не поступали данные, обычно исключаются; последние зарегистрированные коэффициенты показываются только тогда, когда перестаёт обновляться весь поток данных по рынку.

Биржи ставок (5)

Букмекерская контораХозяеваГостиНичьяМаржа ▲Обновлено
Kalshi◎2.63I 38.02%NM 37.25%2.94I 34.01%NM 33.32%3.33I 30.03%NM 29.42%2.1%2026-10-27 13:20
Betfair Exchange (AU)◎2.62I 38.17%NM 37.16%2.96I 33.78%NM 32.89%3.25I 30.77%NM 29.95%2.7%2026-10-27 13:25
Betfair Exchange (UK)◎2.62I 38.17%NM 37.16%2.96I 33.78%NM 32.89%3.25I 30.77%NM 29.95%2.7%2026-10-27 13:25
Betfair Exchange (EU)◎2.58I 38.76%NM 37.52%2.96I 33.78%NM 32.70%3.25I 30.77%NM 29.78%3.3%2026-10-27 13:25
Smarkets◎2.52I 39.68%NM 37.81%2.94I 34.01%NM 32.41%3.20I 31.25%NM 29.78%4.9%2026-10-27 13:25
Арбитраж (12 комбинаций) +0.58%1xBet 2.61 (38.5%) / Unibet (SE) 3.00 (33.5%) / Coolbet 3.60 (27.9%)Показать все комбинации (12)
Lorient (Хозяева)Brest (Гости)НичьяМаржа
1xBet🎯 2.61 (38.5%)Unibet (SE)🎯 3.00 (33.5%)Coolbet🎯 3.60 (27.9%)+0.578%
1xBet🎯 2.61 (38.5%)LeoVegas (SE)🎯 3.00 (33.5%)Coolbet🎯 3.60 (27.9%)+0.578%
1xBet🎯 2.61 (38.5%)Svenska Spel🎯 3.00 (33.5%)Coolbet🎯 3.60 (27.9%)+0.578%
1xBet🎯 2.61 (38.5%)ATG (SE)🎯 3.00 (33.5%)Coolbet🎯 3.60 (27.9%)+0.578%
Pinnacle🎯 2.60 (38.6%)Unibet (SE)🎯 3.00 (33.5%)Coolbet🎯 3.60 (27.9%)+0.429%
Pinnacle🎯 2.60 (38.6%)LeoVegas (SE)🎯 3.00 (33.5%)Coolbet🎯 3.60 (27.9%)+0.429%
Pinnacle🎯 2.60 (38.6%)Svenska Spel🎯 3.00 (33.5%)Coolbet🎯 3.60 (27.9%)+0.429%
Pinnacle🎯 2.60 (38.6%)ATG (SE)🎯 3.00 (33.5%)Coolbet🎯 3.60 (27.9%)+0.429%
1xBet🎯 2.61 (38.3%)Unibet (SE)🎯 3.00 (33.3%)1xBet🎯 3.53 (28.3%)+0.024%
1xBet🎯 2.61 (38.3%)LeoVegas (SE)🎯 3.00 (33.3%)1xBet🎯 3.53 (28.3%)+0.024%
1xBet🎯 2.61 (38.3%)Svenska Spel🎯 3.00 (33.3%)1xBet🎯 3.53 (28.3%)+0.024%
1xBet🎯 2.61 (38.3%)ATG (SE)🎯 3.00 (33.3%)1xBet🎯 3.53 (28.3%)+0.024%