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College Basketball Picks


College Basketball Picks (Jan. 1-6): 1-3 (-$460)
College Basketball Picks (Jan. 8-13): 1-2 (-$240)
College Basketball Picks (Jan. 14-20): 0-3 (-$440)
College Basketball Picks (Jan. 21-27): 0-1 (-$220)
College Basketball Picks (Jan. 28-Feb. 3): 4-3 (+$270)
College Basketball Picks (Feb. 4-10): 4-3 (-$160)
College Basketball Picks (Feb. 11-17): 0-1 (-$110)
College Basketball Picks (Feb. 18-24): 1-1 (-$20)

College Basketball Picks (Reg Season 2012-13): 11-16 (-$1,380)
College Basketball Picks (Reg Season 2011-12): 28-29-1 (-$1,270)
College Basketball Picks (Reg Season 2010-11): 47-42-4 (+$185)
College Basketball Picks (Reg Season 2009-10): 46-40-1 (+$880)
College Basketball Picks (Reg Season 2008-09): 66-53-2 (+$1,680)
Follow @walterfootball for updates.


Saturday, Feb. 23, 2013

TCU at Kansas
Line: Kansas by 22.5.

4:00 PM ET (Game 547-548)

Kansas has finally gotten its act together. Fully recovered from that three-game losing streak, the Jayhawks are on a roll. They just won at Oklahoma State, so they should be able to destroy TCU in a revenge game. The Horned Frogs beat Kansas a couple of weeks ago, but have since suffered multiple blowouts by more than the posted point spread.

I'll be posting more college basketball picks throughout the day. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Kansas -22.5 (1 Unit)


Missouri at Kentucky
Line: Kentucky by 2.5.

9:00 PM ET (Game 619-620)

I don't think this spread has been fully adjusted for Nerlens Noel's injury. Missouri is much better than this struggling Kentucky squad that nearly lost to crappy Vanderbilt earlier in the week.

I'll be posting more college basketball picks throughout the day. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Missouri +2.5 (2 Units)

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Riddogg 04-09-2013 02:19 pm xxx.xxx.xxx5.98 (total posts: 26)
8     5

Congrats BFS.

bfs 04-09-2013 10:31 am xxx.xxx.xxx.160 (total posts: 116)
6     6

Great end to the year and a great ball game. The Cards kept the Championship in the state of Kentucky for another year!

Here is how I finished this year in all sports.

CFB: Hit 49.6% of bets. Had a miserable Week 11 where I bet far too much money and lost literally every bet I made. Got back to the plus side before going back in the red during bowl season. -25 units.

NBA: Experiment season, I think it's safe to say I won't be betting NBA any longer. I just don't have a good feel for it and really don't enjoy following it all season long. Hit 50.5% but -13 units (most of that on stupid parlay's)

NFL: Fantastic year in the NFL. I had just 4 losing weeks and a Super Bowl loss (I did make all those losing weeks count haha). I hit 54% but alot of my losses were 1-2 units. I went 37-18 on my plays of 4+units. +56 units on the year.

CBB: Solid year in CBB as well. Hit 55% of my bets for +20 units.

That puts me at +36 units in sports gambling this year. I will take that every season. Now, got some big horse races coming up, hoping to continue to hit big. Hope to see you guys for some college football and NFL in the Fall.

Bainbridge 04-09-2013 12:16 am xxx.xxx.xxx0.75 (total posts: 302)
29     6

@ComputationalBS
I guess your next 4 picks using your genius algorhythm are sure things! If you really have a system that hits 80% with ANY kind of consistency, but you still work a real job and thus don't have time to use it, you're a moron. Or a liar. Or more likely both.
Caution 04-08-2013 11:49 pm xxx.xxx.xxx.251 (total posts: 1)
8     9

Told you MI was a sucker bet!
Kyle 04-08-2013 11:39 pm xxx.xxx.xxx.164 (total posts: 161)
6     6

*1st half run I meant to say.
Kyle 04-08-2013 11:38 pm xxx.xxx.xxx.164 (total posts: 161)
5     7

If MI loses this game (ATS), the key point was the late 2nd half run that the Cards had to only trail one at half.
bfs 04-08-2013 09:33 pm xxx.xxx.xxx7.98 (total posts: 74)
9     5

For all that bet the under, you better hope this game slows down real quick. That was an electric opening 4.5 minutes
Kyle 04-08-2013 09:23 pm xxx.xxx.xxx.164 (total posts: 161)
6     6

At lol....are you referring to me? If so, I'm NOT betting everything I have on the game. That's stupid. I'm just telling you what these Vegas folks told me as to indicate how strongly they feel about the game.
Bigleftygolfer 04-08-2013 09:07 pm xxx.xxx.xxx6.57 (total posts: 1)
6     6

For those that know me I don't post picks often however when I run my computational analysis I am over 80% it just takes time I do not have and honestly is not worth the hassle so take the following information for what it is wort the sides are very tough so the numbers recommend to stay away from sides tonight especially since slight changes to the algo flips the computation. I am going with Louisville at -4 but that is not my mathematical play. The play that comes in strong tonight assuming it does not go to overtime is the under 139 I am putting max units on that play tonight with a small two unit parlay taking Louisville -4 and the under 139

Good luck to everybody tonight! Wishing for the game to end in normal time!
Bainbridge 04-08-2013 08:35 pm xxx.xxx.xxx0.75 (total posts: 302)
6     5

I like Michigan to keep it close. They had no problems with VCU's Havoc, so I see them doing a good enough job against Louisville's pressure. I think Louisville really misses Ware's minutes off the bench, not so much for his production as for the ability to give Siva and Smith occasion rest. One of those two always seems to get into foul trouble, and without Ware to spell the other, that could become a factor.

I still have my Louisville futures play (4u to win 11u), and have played a bunch of parlays yesterday and today with baseball plus both sides tonight (Lou bought down to -1, Mich bought up to +7). I've done pretty well on those parlays, so have a beautiful position going into the game tonight. If Louisville wins a close game to middle for me, I'll win at least 52 units, with my best-case scenario being a 2- or 3-pt win, for 64 units. If they win by 7, I'll net 27u, and my worst-case scenario is that they win by 8 or more, and even then I'd net 13u. If Michigan pulls the upset, I'll net 22u.

I've played similar strategy on the Super Bowl and BCS Championship the last couple of years and it has worked well for me. Granted, I'm down from the parlays that didn't survive, but as usually ends up being the case, I'll get back to even regardless of what happens tonight, and if I get the middle I'll come out WAY ahead.

Good luck to all!
marine 04-08-2013 08:09 pm xxx.xxx.xxx.240 (total posts: 1)
7     7

Ok listen up...If you can't make your mind up on the game...play the under..it will not even get close...this is gonna be a toss up but low scoring...62-60 Michigan...thank me next football season
Lol 04-08-2013 07:21 pm xxx.xxx.xxx28.9 (total posts: 1)
6     6

Lol at the guy betting everything you have on one play. Have fun being broke and homeless.
bfs 04-08-2013 07:01 pm xxx.xxx.xxx7.98 (total posts: 74)
6     6

I think Louisville has another gear that other teams don't . So what they had to come back? Michigan hit a miracle 3 against Kansas and played like crap in the 2nd half to hold off Cuse. The smallest favorite Louisville has been this year is -4 and they are 2-0. I don't think Michigan has anybody to guard Russ Smith. Burke will guard Siva but who is quick enough to guard Russ? Louisville with Harrell Behanan and Dieng will own the paint. Siva will bounce back from a shaky game. I think Louisville was a little off due to the distractions of the week with Ware.

The Cards bring the 2nd straight title to the state of Kentucky. 75-66
Caution 04-08-2013 06:57 pm xxx.xxx.xxx.243 (total posts: 1)
8     5

Public is on MI, but spread went up from 3.5 to 4. I think Vegas is begging you to take MI.
FadeMe 04-08-2013 06:14 pm xxx.xxx.xxx8.53 (total posts: 141)
6     6

@Kyle
That's what I've been seeing too.
Mich +4






Wednesday, Feb. 20, 2013 (0-1, -$220)

Duke at Virginia Tech
Line: Duke by 13.

9:00 PM ET (Game 527-528)

Duke, like Kentucky, continues to get an unbelievable amount of respect. The Blue Devils are not that good without Ryan Kelly. They don't deserve to be favored by this much on the road. Virginia Tech isn't a very talented squad, but it took North Carolina and N.C. State to overtime on the road. I think the Hokies could at least be competitive with Duke tonight.

I'll be posting more college basketball picks throughout the day. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Virginia Tech +13 (2 Units) -- Incorrect; -$220







Wednesday, Feb. 20, 2013 (1-0, +$200)

Vanderbilt at Kentucky
Line: Kentucky by 11.

8:00 PM ET (Game 757-758)

My college basketball picks have been awful, but let's see if I can turn things around after a week off. The Wildcats not being the same team without Nerlens Noel is an understatement. They stink now. They could barely put away teams like Vanderbilt with Noel, so I don't understand what they're doing being favored by 11 without him.

I'll be posting more college basketball picks throughout the day. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Vanderbilt +11 (2 Units) -- Correct; +$200





Tuesday, Feb. 12, 2013 (0-1, -$110)

Kentucky at Florida
Line: Florida by 10.5.

7:00 PM ET (Game 523-524)

Kentucky's playing great basketball right now, while Florida? Not so much. The Gators were thrashed by Arkansas and then failed to cover against an awful Mississippi State team. They won't be as good going forward without forward Will Yeguete, who is out for the year with a knee. This spread is too high.

I'll be posting more college basketball picks throughout the day. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Kentucky +10.5 (1 Unit) -- Incorrect; -$110





Sunday, Feb. 10, 2013 (0-1, -$110)

Duke at Boston College
Line: Duke by 11.

6:00 PM ET (Game 839-840)

Ugh, so close to going 3-0. Whatever. I like Duke tonight. The Blue Devils should be -11 over a Boston College squad that has dropped five of six, including its previous three of four by double digits. The Blue Devils have seemed to right the ship after struggling early on without Ryan Kelly. This should be a blowout.

I'll be posting more college basketball picks throughout the day. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Duke -11 (1 Unit) -- Incorrect; -$110





Saturday, Feb. 9, 2013 (1-2, -$340)

North Carolina at Miami
Line: Miami by 7.

7:00 PM ET (Game 509-510)

This spread is three points too low; KenPom rankings have this as Miami -10 - and for good reason. The Hurricanes are an unstoppable force right now, while the Tar Heels haven't played to within eight of any top-40 team this year.

I'll be posting more college basketball picks throughout the day. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Miami -7 (1 Unit) -- Correct; +$100


Mississippi State at Florida
Line: Florida by 26.5.

5:00 PM ET (Game 583-584)

A week ago, I took a Mississippi school as a big underdog at Florida. I am not doing the same thing today. Mississippi State is a terrible team that hasn't been competitive in most games. The Gators, meanwhile, tend to respond very well coming off losses. They have plenty of 30-plus victories this year, so I don't see why they can't cover the huge number again.


College Basketball Pick: Florida -26.5 (2 Units) -- Incorrect; -$220


Iowa State at Kansas State
Line: Kansas State by 6.5.

6:00 PM ET (Game 591-592)

I'm taking the underdog for a change because this spread is way too high. These teams are about even, so the line should be between three and four. Perhaps the number's inflated because of Iowa State's poor road record, but that's pretty bogus. The Cyclones have recently lost at Oklahoma State by two and took Kansas to overtime as visitors. Both the Cowboys and Jayhawks are better than the Wildcats.


College Basketball Pick: Iowa State +6.5 (2 Units) -- Incorrect; -$220





Thursday, Feb. 7, 2013 (1-1, -$20)

Indiana at Illinois
Line: Indiana by 7.

7:00 PM ET (Game 509-510)

This spread doesn't make any sense. Indiana should be an 11-point favorite over a terrible Illinois team that has only one win since Jan. 5. Maybe the oddsmakers are accounting for this game being sandwiched between battles against Michigan and Ohio State, but four points is a hell of an adjustment. The Hoosiers are the top team in the country, so they should be able to take care of business.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Indiana -7 (2 Units) -- Incorrect; -$220


Colorado at Oregon
Line: Oregon by 7.

10:00 PM ET (Game 551-552)

Maybe fading the other Oregon team will work tonight. The Ducks had a great victory over Arizona back in January, but have struggled to put away mediocre competition since. Now, they're coming off a two-game losing streak, thanks in part to being without starting guard Dominic Artis, who is doubtful for tonight's game. This spread is a bit too high (should be Oregon -5), so I'm taking Colorado, a team that has won three of its previous four.


College Basketball Pick: Colorado +7 (2 Units) -- Correct; +$200





Wednesday, Feb. 6, 2013 (1-1, -$20)

Mississippi State at Ole Miss
Line: Ole Miss by 16.

9:00 PM ET (Game 791-792)

KenPom says Ole Miss should be a 23-point favorite tonight, and I would strongly agree with that. The Rebels played well at Florida on Saturday night, while Mississippi State is an abomination. The Bulldogs just aren't competitive against quality competition, having lost to Florida at home by 35, at Arkansas by 26 and at Tennessee by 15. Ole Miss is better than the Razorbacks and the Vols, so I don't see how Mississippi State can hang with its in-state rival.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Ole Miss -16 (2 Units) -- Correct; +$200


Utah at Oregon State
Line: Oregon State by 8.5.

10:00 PM ET (Game 799-800)

Here's another game where the spread doesn't match the projected line at KenPom, which is Oregon State -5. The Beavers are in a major slump, having lost eight of their previous nine. Their lone victory came against Washington at home - a team that Utah beat by a wider margin on the road. The Utes have been pretty solid lately; they recently dispatched a decent Colorado squad at home. They should be able to hang with Oregon State tonight and cover the large number.


College Basketball Pick: Utah +8.5 (2 Units) -- Incorrect; -$220





Tuesday, Feb. 5, 2013 (1-0, +$100)

Boston College at Miami
Line: Miami by 13.

7:00 PM ET (Game 521-522)

Boston College has lost five of its previous six. The Eagles are struggling right now, and they haven't even played many quality opponents yet. The best team they've played on the road thus far was Virginia, and they lost that game by 14. Miami is obviously much better than the Cavaliers.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Miami -13 (1 Unit) -- Correct; +$100





Monday, Feb. 4, 2013 (1-0, +$100)

Texas at West Virginia
Line: West Virginia by 6.

9:00 PM ET (Game 727-728)

Beaten at the buzzer yesterday by a meaningless layup. FML. Hoping for better luck tonight with Texas. These teams are about even. They've even beaten the same two teams - TCU and Texas Tech - in their only recent victories. With that in mind, I don't really understand this spread. It should be around -3, maybe -3.5.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Texas +6 (1 Unit) -- Correct; +$100





Sunday, Feb. 3, 2013 (0-1, -$110)

Oregon State at Stanford
Line: Stanford by 9.5.

3:00 PM ET (Game 817-818)

I like Stanford today. The Cardinal has won four of its previous six, which most recently includes a thumping of a very good Oregon squad. Oregon State, meanwhile, has dropped seven of eight, losing to every quality team by double digits in that span. I really want Stanford -9, and the line could be headed that way because the public is betting the Beavers. I'll take Stanford -9.5 or -10 for one unit and Stanford -9 for two units. I'll have an update before tip-off.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Stanford -9.5 (1 Unit) -- Incorrect; -$110





Saturday, Feb. 2, 2013 (2-0, +$400)

Kentucky at Texas A&M
Line: Kentucky by 7.

6:00 PM ET (Game 605-606)

I don't think Kentucky's seasoned enough to be favored by a touchdown on the road against a capable Texas A&M squad.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Texas A&M +7 (2 Units) -- Correct; +$200


Ole Miss at Florida
Line: Florida by 18.

7:00 PM ET (Game 633-634)

Florida just crushed South Carolina, but this game will be a different story. Ole Miss won nine in a row prior to losing to Kentucky on Tuesday.


College Basketball Pick: Ole Miss +18 (2 Units) -- Correct; +$200





Friday, Feb. 1, 2013 (1-1, -$10)

Yale at Harvard
Line: Harvard by 10.5.

7:00 PM ET (Game 827-828)

Yale is one of the worst offensive teams in the country. I don't see them being competitive with a superior squad like Harvard.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Harvard -10.5 (1 Unit) -- Incorrect; -$110


Manhattan at Siena
Line: Manhattan by 4.

7:00 PM ET (Game 837-838)

I disagree with a team as miserable as Manhattan being a favorite on the road. Siena is also awful, but it's 3-3 in its previous six games.


College Basketball Pick: Siena +4 (1 Unit) -- Correct; +$100





Thursday, Jan. 31, 2013 (1-1, -$10)

Hofstra at James Madison
Line: James Madison by 9.

7:00 PM ET (Game 507-508)

My crappy college basketball picks continue! I like James Madison tonight. They're playing well, while Hofstra is 0-9 on the road with an average margin of defeat of 14.7 points.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: James Madison -9 (1 Unit) -- Correct; +$100


Penn State at Iowa
Line: Iowa by 13.

8:00 PM ET (Game 527-528)

Speaking of terrible teams that suck on the road, Penn State probably won't cover against an Iowa squad that recently beat Wisconsin at home.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Iowa -13 (1 Unit) -- Incorrect; -$110





Sunday, Jan. 27, 2013 (0-1, -$220)

Florida State at Miami
Line: Miami by 9.5.

6:00 PM ET (Game 837-838)

Not sure why my college basketball picks so much, but I'm taking Florida State today. Miami is being overhyped because of that awesome win against Duke, but the fact is that the Hurricanes barely beat Gerogia Tech prior to playing the Blue Devils. I feel like this line is too high.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Florida State +9.5 (2 Units) -- Incorrect; -$220





Monday, Jan. 14, 2013 (0-1, -$440)

Louisville at Connecticut.
Line: Louisville by 6.5.

7:00 PM ET (Game 717-718)

I have nothing to back this claim up, but teams that rise to No. 1 in the polls often disappoint right away. I guess it's the pressure of being the top dog. The Huskies are a good team that hasn't lost any other their three games by more than six points.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Connecticut +6.5 (2 Units) -- Incorrect; -$220


Baylor at Kansas.
Line: Kansas by 10.

9:00 PM ET (Game 719-720)

The Jayhawks might be a bit overrated. They had trouble with Temple at home and then needed a miracle three-pointer to defeat Iowa State, also as a host. Baylor hasn't lost by more than seven all year.


College Basketball Pick: Baylor +10 (2 Units) -- Incorrect; -$220





Sunday, Jan. 13, 2013 (1-1, -$20)

Iowa at Northwestern.
Line: Northwestern by 2.

5:30 PM ET (Game 825-826)

Reasons to like Northwestern today: 1) Iowa is coming off a brutal loss to Michigan State where it left everything on the court. 2) The Hawkeyes have played just two road games this season and have lost both contests by double digits. 3) There's a good amount of action on Iowa, yet the line has gone Northwestern -1 to -2.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Northwestern -2 (2 Units) -- Incorrect; -$220


Arizona State at Oregon.
Line: Oregon by 9.

9:00 PM ET (Game 831-832)

Here's a weird dynamic change: Oregon was essentially a home underdog a few days ago against undefeated Arizona. It prevailed, but now it's a big favorite. Arizona State is 14-2 (2-0 on the road). The Sun Devils are too good to be a big underdog like this. I like the points.


College Basketball Pick: Arizona State +9 (2 Units) -- Correct; +$200





Wednesday, Jan. 9, 2013 (0-1, -$220)

Boise State at Wyoming.
Line: Wyoming by 3.5.

10:00 PM ET (Game 815-816)

Wyoming is undefeated. They've beaten every team at home by seven or more. They have such a great track record as hosts that it's hard to imagine Boise State covering this number.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Wyoming -3.5 (2 Units) -- Incorrect; -$220





Sunday, Jan. 6, 2013 (0-1, -$220)

Saint Peter's at Loyola-Maryland.
Line: Loyola-Maryland by 9.

12:00 PM ET (Game 835-836)

I'm fading Loyola-Maryland again. That seemed to work. I don't think they deserve to be a nine-point over a St. Peter's squad that has only lost one road game by double digits.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Saint Peter's +9 (2 Units) -- Incorrect; -$220





Saturday, Jan. 5, 2013 (0-1, -$220)

Oklahoma at West Virginia.
Line: West Virginia by 5.

4:00 PM ET (Game 563-564)

Oklahoma's record is better than West Virginia's, but that's a bit of a farce because the Sooners have played just two road games - one of which was a 72-47 loss.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: West Virginia -5 (2 Units) -- Incorrect; -$220





Friday, Jan. 4, 2013 (1-0, +$200)

Rider at Loyola-Maryland.
Line: Loyola-Maryland by 8.

7:30 PM ET (Game 837-838)

I don't think Loyola-Maryland is eight points better than Rider on their home court. Rider already has two road victories this year, so I think it'll be competitive tonight.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Rider +8 (2 Units) -- Correct; +$200





Wednesday, Jan. 2, 2013 (0-1, -$220)

Nebraska at Ohio State.
Line: Ohio State by 21.

6:30 PM ET (Game 729-730)

My college basketball picks are back! I like Nebraska to cover. Twenty-one is just way too many points for a 9-4 team to be getting. I know the Cornhuskers haven't really beaten anyone, but they've still won games. The Buckeyes are great, but they didn't even beat UNC-Asheville by 20-plus.

These college basketball picks will be posted sporadically until the NFL season is over. I'll have updates on Twitter - @walterfootball.


College Basketball Pick: Nebraska +21 (2 Units) -- Incorrect; -$220







2013 Fantasy Football Rankings - May 17


Charlie's 2014 NFL Mock Draft - May 16


2014 NFL Mock Draft - May 15


2013 NBA Mock Draft - May 3


NFL Picks - Feb. 3



Season:
2012-13: 2012-13 -
2011-12: 2011-12 -
2010-11: 2010-11 -
2009-10: 2009-10 -
2008-09: 2008-09 -
2007-2008: December - January - February - March -
2006-2007: November - December - January - February - March - April -


2003-2004 Season: 138-107-6 (56.3%)
2004-2005 Season: 168-148-6 (53.2%)
2005-2006 Season: 188-173-7 (52.1%)
2006-2007 Season: 273-255-8 (51.7%), +$945
2007-2008 Season: 71-64-5 (52.6%), +$1,420
2008-2009 Season: 66-53-2 (55.5%), +$1,680

Career Against The Spread: 906-780-32 (53.7%), +$4,045


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