Civic Intelligence

Iowa Foundation for Microenterprise and Community Vitality

990 • Fiscal year 2017 • EIN 26-2238918

Jan 01, 2017 to Dec 31, 2017 • Filed on Jun 22, 2018

PO Box 793Boone, IA 50036

(515) 212-0182

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

85th percentile

0.51x

Higher debt load relative to assets than 85% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Liabilities / Revenue

91st percentile

1.12x

Higher debt load relative to revenue than 91% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Net Margin

24th percentile

-7.2%

Higher net margin than 24% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Top Officer Pay

80th percentile

$76,080

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 19.9% of source-year revenue.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2017

Asset Growth

8th percentile

-21%

Faster asset growth than 8% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Revenue Growth

76th percentile

27%

Faster revenue growth than 76% of similar nonprofits.

2017 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Assets

Down

$829,891

Down $219,385 (-21%) from 2016

Net Assets

Down

$402,948

Down $27,628 (-6.4%) from 2016

Liabilities

Down

$426,943

Down $191,757 (-31%) from 2016

Revenue

Up

$382,704

Up $81,433 (+27%) from 2016

Expenses

Up

$410,332

Up $104,637 (+34%) from 2016

Net Income

Down

-$27,628

Down $23,204 (-525%) from 2016

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,780,890Liabilities 2010: $1,034,326Net Assets 2010: $746,5642010Assets 2011: $1,366,734Liabilities 2011: $644,875Net Assets 2011: $721,8592011Assets 2012: $1,597,868Liabilities 2012: $1,039,269Net Assets 2012: $558,5992012Assets 2014: $1,521,729Liabilities 2014: $1,003,293Net Assets 2014: $518,4362014Assets 2015: $1,241,424Liabilities 2015: $806,424Net Assets 2015: $435,0002015Assets 2016: $1,049,276Liabilities 2016: $618,700Net Assets 2016: $430,5762016Assets 2017: $829,891Liabilities 2017: $426,943Net Assets 2017: $402,9482017Assets 2018: $819,326Liabilities 2018: $481,407Net Assets 2018: $337,9192018Assets 2019: $750,386Liabilities 2019: $352,782Net Assets 2019: $397,6042019Assets 2020: $989,099Liabilities 2020: $536,618Net Assets 2020: $452,4812020Assets 2021: $1,244,631Liabilities 2021: $709,534Net Assets 2021: $535,0972021Assets 2022: $1,445,760Liabilities 2022: $702,223Net Assets 2022: $743,5372022Assets 2024: $1,617,565Liabilities 2024: $983,633Net Assets 2024: $633,9322024

Highlighted filing

2017

Assets$829,891
Liabilities$426,943
Net Assets$402,948

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $269,3592010Expenses 2011: $481,8702011Expenses 2012: $408,2042012Revenue 2014: $216,867Expenses 2014: $315,981Net Income 2014: -$99,1142014Revenue 2015: $350,718Expenses 2015: $434,154Net Income 2015: -$83,4362015Revenue 2016: $301,271Expenses 2016: $305,695Net Income 2016: -$4,4242016Revenue 2017: $382,704Expenses 2017: $410,332Net Income 2017: -$27,6282017Revenue 2018: $217,577Expenses 2018: $282,606Net Income 2018: -$65,0292018Revenue 2019: $351,398Expenses 2019: $291,713Net Income 2019: $59,6852019Revenue 2020: $280,060Expenses 2020: $226,407Net Income 2020: $53,6532020Revenue 2021: $452,526Expenses 2021: $371,050Net Income 2021: $81,4762021Revenue 2022: $551,415Expenses 2022: $339,895Net Income 2022: $211,5202022Revenue 2024: $89,103Expenses 2024: $236,136Net Income 2024: -$147,0332024

Highlighted filing

2017

Revenue$382,704
Expenses$410,332
Net Income-$27,628
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jun 22, 2018
Return Version
2017v2.2
Gross Receipts
$382,704
Mission and Program Overview

Mission

To provide funding for microbusinesses that are considered on the fringe of risk-bearing capacity for most traditional financial institutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$41,816$61,827▲ $20,011
Accounts Receivable$63,102$25,744▼ $37,358
Prepaid Expenses and Deferred Charges$858$858→ $0
Cash and Non-Interest-Bearing Accounts-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$1,049,276$829,891▼ $219,385
Other Assets Total$943,500$741,462▼ $202,038
Liabilities
Unsecured Notes Loans Payable$589,729$396,760▼ $192,969
Other Liabilities$17,272$21,855▲ $4,583
Accounts Payable and Accrued Expenses$11,699$8,328▼ $3,371
Total Liabilities$618,700$426,943▼ $191,757
Net Assets / Fund Balance
Unrestricted Net Assets$430,576$402,948▼ $27,628
Total Net Assets Fund Balance$430,576$402,948▼ $27,628
Total Liabilities and Net Assets / Fund Balance$1,049,276$829,891▼ $219,385

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$12,997$12,997
Other Assets Org$538,454--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Craig DownsPresidentFT$72,966$3,114$76,080

Board Members and Trustees

NameTitle
Clarence McgregorChairman
Jeff WallerVice Chair
Alex MerkDirector
Dave OgburnDirector
David HagenDirector
Ellen NystromDirector
James ErbDirector
James PattonDirector
Ken BeekleyDirector
Mario Van DijkDirector
Mark EdelmanDirector
Mark HamiltonDirector
Monica DolezalDirector
Steve AdamsDirector
Terry VorbichDirector
Jake AndersonSecretary
Randy SchmitzTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$175,345
Program Service Revenue
$725
Investment Income
$40,427
Other Revenue
$166,207
All Other Contributions
$175,345
Change in Net Assets
$-27,628

Audited Revenue Reconciliation

Revenue per Audited Statements
$382,704
Total Revenue per Audited Statements
$382,704
Total Revenue per Form 990
$382,704
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$314,114
Other Expenses$96,218
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$188,524$11,902-$200,426
Current Officers, Directors, Trustees, and Key Employees$19,020$57,060-$76,080
Payroll Taxes$16,007$5,120-$21,127
Travel$20,921--$20,921
Fees for Services Other$17,834--$17,834
Other Employee Benefits$16,481--$16,481
All Other Expenses$5,411$134-$5,545
Interest$4,457--$4,457
Occupancy$4,300--$4,300
Insurance$3,557--$3,557
Other Expenses$2,975--$2,975
Office Expenses$221$53-$274
Total Functional Expenses$336,063$74,269$0$410,332

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$410,332
Total Expenses per Audited Statements$410,332
Total Expenses per Form 990$410,332
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Unearned Revenue$21,855
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

Auditor reviews form 990 with the board of directors before filing

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

The organization requires a signed written statement from directors and management regarding the conflict of interest policy.

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

The board reviews the compensation of the president annually and does comparisons with similar organizations.

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

All required documents are available to public upon request

Filing and Contact Details

Filer

Filer Name
Iowa Foundation for Microenterprise and
EIN
26-2238918
Phone
5152120182
Address
PO BOX 793, BOONE, IA 50036

Signing Officer

Name
Craig Downs
Title
President
Signed
2018-06-22
Discuss with paid preparer
Yes

Organization Details

Formed
2008
Legal Domicile
Ia
Voting Board Members
17
Independent Board Members
17
Employees
9
Volunteers
17

Preparer

Firm
Houston & Seeman PC
Address
724 Story St 601, Boone, IA 50036-2871
Preparer
Eric G Seeman
Phone
5154321176
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

The organization does not believe it has any income derived from unrelated business activities. The organization believes that it has appropriate support for any tax positions taken, and as such, does not have any uncertain tax positions that are material to the financial statements.

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IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt16Director
IRS990/Form990PartVIISectionAGrp/TitleTxt17President
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr02008
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt017
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0382704
IRS990/GrossRentsGrp/PersonalAmt011001
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt017
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/ProgramServicesAmt03557
IRS990/InsuranceGrp/TotalAmt03557
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/ProgramServicesAmt04457
IRS990/InterestGrp/TotalAmt04457
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt040427
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt040427
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt03
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt012997
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt012997
IRS990/LegalDomicileStateCd0IA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE FUNDING FOR MICROBUSINESSES THAT ARE CONSIDERED ON THE FRINGE OF RISK-BEARING CAPACITY FOR MOST TRADITIONAL FINANCIAL INSTITUTIONS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0430576
IRS990/NetAssetsOrFundBalancesEOYAmt0402948
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt011001
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt011001
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt04300
IRS990/OccupancyGrp/TotalAmt04300
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt053
IRS990/OfficeExpensesGrp/ProgramServicesAmt0221
IRS990/OfficeExpensesGrp/TotalAmt0274
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0943500
IRS990/OtherAssetsTotalGrp/EOYAmt0741462
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt016481
IRS990/OtherEmployeeBenefitsGrp/TotalAmt016481
IRS990/OtherExpensesGrp/Desc0GRANT EXPENSES
IRS990/OtherExpensesGrp/Desc1INDEPENDENT CONTRACTOR
IRS990/OtherExpensesGrp/Desc2INFORMATION TECHNOLOGY FEES
IRS990/OtherExpensesGrp/Desc3TELEPHONE
IRS990/OtherExpensesGrp/ProgramServicesAmt026724
IRS990/OtherExpensesGrp/ProgramServicesAmt16180
IRS990/OtherExpensesGrp/ProgramServicesAmt23451
IRS990/OtherExpensesGrp/ProgramServicesAmt32975
IRS990/OtherExpensesGrp/TotalAmt026724
IRS990/OtherExpensesGrp/TotalAmt16180
IRS990/OtherExpensesGrp/TotalAmt23451
IRS990/OtherExpensesGrp/TotalAmt32975
IRS990/OtherLiabilitiesGrp/BOYAmt017272
IRS990/OtherLiabilitiesGrp/EOYAmt021855
IRS990/OtherRevenueMiscGrp/BusinessCd0561000
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0ICC SOLIDARITY CONTRACT/R
IRS990/OtherRevenueMiscGrp/Desc1RECOVERY OF LOAN LOSS
IRS990/OtherRevenueMiscGrp/Desc2SERVICE FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0154826
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1380
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0154826
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1380
IRS990/OtherRevenueTotalAmt0155206
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt011902
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0188524
IRS990/OtherSalariesAndWagesGrp/TotalAmt0200426
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt05120
IRS990/PayrollTaxesGrp/ProgramServicesAmt016007
IRS990/PayrollTaxesGrp/TotalAmt021127
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0858
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0858
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/Desc0FEES & CONTRACTS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0725
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0725
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0166163
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt046499
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt057203
IRS990/PYOtherRevenueAmt088209
IRS990/PYProgramServiceRevenueAmt0400
IRS990/PYRevenuesLessExpensesAmt0-4424
IRS990/PYSalariesCompEmpBnftPaidAmt0248492
IRS990/PYTotalExpensesAmt0305695
IRS990/PYTotalRevenueAmt0301271
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-27628
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/PersonalAmt011001
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0725
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt041816
IRS990/SavingsAndTempCashInvstGrp/EOYAmt061827
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0175345
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0166163
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0206945

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.62$0.98$0.63$0.09$0.24$0.15
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.45$0.70$0.74$0.55$0.34$0.21
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.24$0.71$0.54$0.45$0.37$0.08
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.99$0.54$0.45$0.28$0.23$0.05
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.75$0.35$0.40$0.35$0.29$0.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.82$0.48$0.34$0.22$0.28$0.07
2017Detailed filing. Detailed filing data is available for this year.$0.83$0.43$0.40$0.38$0.41$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.05$0.62$0.43$0.30$0.31$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.24$0.81$0.44$0.35$0.43$0.08
2014Detailed filing. Detailed filing data is available for this year.$1.52$1.00$0.52$0.22$0.32$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.60$1.04$0.56$0.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.37$0.64$0.72$0.48
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.78$1.03$0.75$0.27