Civic Intelligence

Real Services Inc.

990 • Fiscal year 2019 • EIN 35-1157606

Jul 01, 2018 to Jun 30, 2019 • Filed on Oct 15, 2019

PO Box 1835South Bend, IN 46634-1835

(574) 233-8205

Siviq Scores

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

Liabilities / Assets

49th percentile

0.19x

Higher debt load relative to assets than 49% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

31st percentile

0.10x

Higher debt load relative to revenue than 31% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Net Margin

57th percentile

5.3%

Higher net margin than 57% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

45th percentile

$163,394

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Asset Growth

74th percentile

13%

Faster asset growth than 74% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

34th percentile

-1.2%

Faster revenue growth than 34% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Assets

Up

$11,209,533

Up $1,306,263 (+13%) from 2018

Net Assets

Up

$9,088,278

Up $1,096,064 (+14%) from 2018

Liabilities

Up

$2,121,255

Up $210,199 (+11%) from 2018

Revenue

Down

$20,205,081

Down $240,544 (-1.2%) from 2018

Expenses

Down

$19,136,312

Down $150,379 (-0.8%) from 2018

Net Income

Down

$1,068,769

Down $90,165 (-7.8%) from 2018

Historical Trend

Balance Sheet Trend

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

$20M$15M$10M$5.0M$0Assets 2010: $6,716,875Liabilities 2010: $2,392,805Net Assets 2010: $4,324,0702010Assets 2012: $7,537,821Liabilities 2012: $2,004,529Net Assets 2012: $5,533,2922012Assets 2013: $8,255,405Liabilities 2013: $2,172,587Net Assets 2013: $6,082,8182013Assets 2014: $7,319,835Liabilities 2014: $1,236,964Net Assets 2014: $6,082,8712014Assets 2015: $7,754,953Liabilities 2015: $1,429,503Net Assets 2015: $6,325,4502015Assets 2016: $7,988,869Liabilities 2016: $1,564,066Net Assets 2016: $6,424,8032016Assets 2017: $8,407,569Liabilities 2017: $1,597,550Net Assets 2017: $6,810,0192017Assets 2018: $9,903,270Liabilities 2018: $1,911,056Net Assets 2018: $7,992,2142018Assets 2019: $11,209,533Liabilities 2019: $2,121,255Net Assets 2019: $9,088,2782019Assets 2020: $13,142,791Liabilities 2020: $3,131,350Net Assets 2020: $10,011,4412020Assets 2021: $16,314,628Liabilities 2021: $4,176,336Net Assets 2021: $12,138,2922021Assets 2022: $14,856,258Liabilities 2022: $3,002,329Net Assets 2022: $11,853,9292022Assets 2023: $14,876,938Liabilities 2023: $4,047,020Net Assets 2023: $10,829,9182023Assets 2024: $14,981,950Liabilities 2024: $4,520,013Net Assets 2024: $10,461,9372024Assets 2025: $12,257,785Liabilities 2025: $3,469,791Net Assets 2025: $8,787,9942025

Highlighted filing

2019

Assets$11,209,533
Liabilities$2,121,255
Net Assets$9,088,278

Operations Trend

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

$40M$30M$20M$10M$0-$10MExpenses 2010: $20,772,8752010Expenses 2012: $19,112,8592012Expenses 2013: $19,671,0902013Revenue 2014: $18,232,934Expenses 2014: $18,312,878Net Income 2014: -$79,9442014Revenue 2015: $18,234,215Expenses 2015: $17,948,383Net Income 2015: $285,8322015Revenue 2016: $18,766,053Expenses 2016: $18,597,318Net Income 2016: $168,7352016Revenue 2017: $16,794,449Expenses 2017: $16,448,102Net Income 2017: $346,3472017Revenue 2018: $20,445,625Expenses 2018: $19,286,691Net Income 2018: $1,158,9342018Revenue 2019: $20,205,081Expenses 2019: $19,136,312Net Income 2019: $1,068,7692019Revenue 2020: $21,488,865Expenses 2020: $20,198,119Net Income 2020: $1,290,7462020Revenue 2021: $25,491,120Expenses 2021: $23,760,732Net Income 2021: $1,730,3882021Revenue 2022: $31,243,370Expenses 2022: $30,687,555Net Income 2022: $555,8152022Revenue 2023: $32,837,040Expenses 2023: $34,221,145Net Income 2023: -$1,384,1052023Revenue 2024: $29,994,742Expenses 2024: $30,756,901Net Income 2024: -$762,1592024Revenue 2025: $21,317,307Expenses 2025: $23,243,906Net Income 2025: -$1,926,5992025

Highlighted filing

2019

Revenue$20,205,081
Expenses$19,136,312
Net Income$1,068,769
Jump To
Filing Snapshot
Filing Period
Jul 1, 2018 to Jun 30, 2019
Signed
Oct 15, 2019
Return Version
2018v3.1
Gross Receipts
$20,367,510
Mission and Program Overview

Mission

Real services assists in establishing a community in which those we serve can maintain their independence to the maximum degree possible and find meaning and satisfaction throughout their lives. We offer services in 12 counties across northern indiana, including elkhart, fulton, jasper, kosciusko, lake, laporte, marshall, newton, porter, pulaski, starke, and st. Joseph.

Believing in the dignity of all people, our objective is to assist in establishing a community in which those we serve can maintain their independence to the maximum degree possible.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$2,091,602$3,544,331▲ $1,452,729
Pledges and Grants Receivable$2,770,320$2,819,730▲ $49,410
Investments in Publicly Traded Securities-$1,832,286-
Land, Buildings, and Equipment, Net$1,146,030$1,147,835▲ $1,805
Savings and Temporary Cash Investments$2,703,663$439,177▼ $2,264,486
Prepaid Expenses and Deferred Charges$6,907$7,583▲ $676
Total Assets$9,903,270$11,209,533▲ $1,306,263
Other Assets Total$1,184,748$1,418,591▲ $233,843
Liabilities
Accounts Payable and Accrued Expenses$1,193,213$1,229,641▲ $36,428
Other Liabilities$480,586$590,268▲ $109,682
Escrow Account Liability$83,488$203,329▲ $119,841
Deferred Revenue$153,769$98,017▼ $55,752
Total Liabilities$1,911,056$2,121,255▲ $210,199
Net Assets / Fund Balance
Unrestricted Net Assets$5,738,450$6,761,561▲ $1,023,111
Temporarily Rstr Net Assets$1,753,764$1,826,717▲ $72,953
Permanently Rstr Net Assets$500,000$500,000→ $0
Total Net Assets Fund Balance$7,992,214$9,088,278▲ $1,096,064
Total Liabilities and Net Assets / Fund Balance$9,903,270$11,209,533▲ $1,306,263

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$380,886$600,408$981,294
Buildings$690,827$260,115$950,942
Equipment$76,122$397,936$474,058
Leasehold Improvements$0$48,411$48,411
Land$0-$0
Other Assets Org$203,329--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2018$500,000-▲ $30,688$30,688$500,000
2017$500,000-▲ $30,872$30,872$500,000
2016$500,000-▲ $30,648$30,648$500,000
2015$500,000-▲ $61,407$61,407$500,000
2014$500,000-▲ $31,210$31,210$500,000
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rebecca ZaseckPresident/CEO/SecretaryFT$119,092$44,302$163,394
Rebecca Zaseck--$119,092$44,302$163,394
Andrew S VargoDirector Admin. & FinanceFT$90,384$25,308$115,692

Board Members and Trustees

NameTitle
Karen NevorskiChairperson
Ryan BrennanChairperson Elect
Mary Jane StanleyImmediate Past Chairperson
Colette WolfsonDirector
Debra JenkinsDirector
Dr JoAnn M BurkeDirector
Edward BaerDirector
Janet G HorvathDirector
John AbernethyDirector
Laura HenningsDirector
Margaret CugginoDirector
Peter H MullenDirector
Rafael MortonDirector
Sen David NiezgodskiDirector
Steven A Goldberg CPADirector
Steven WattsDirector
Thomas S EhlersDirector
William W CushwaDirector
Michelle Stesiak CPAAssistant Treasurer
Tim EmerickTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Help at HomeHome Health Care1 N State St Ste 800, Chicago, IL 60602$338,977
Helping HandHome Health Care10202 W 400 N, Michigan City, IN 46360$204,958
Creative Financial ServicesTemporary staffingPOB 95111, Chicago, IL 60694$144,307
Interim Homestyle ServicesHome Health Care605 W Edison, Mishawaka, IN 46545$141,036
Comfort KeepersWeatherization services6910 N Main Ste 17-A, Granger, IN 46530$136,014
Revenue and Support

Revenue Composition

Contributions and Grants
$18,641,138
Program Service Revenue
$1,290,557
Investment Income
$126,989
Other Revenue
$146,397
All Other Contributions
$919,688
Change in Net Assets
$1,068,769
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$9,248,600
Salaries, Compensation, and Employee Benefits$7,416,655
Other Expenses$2,471,057
Total Fundraising Expense$104,328
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$8,649,564--$8,649,564
Other Salaries and Wages$5,081,672$288,943$70,870$5,441,485
Other Employee Benefits$1,032,451$47,062$780$1,080,293
Grants to Domestic Orgs$599,036--$599,036
Occupancy$467,510$11,234$68$478,812
Payroll Taxes$372,331$37,526$5,386$415,243
Current Officers, Directors, Trustees, and Key Employees$0$282,322$0$282,322
Office Expenses$189,618$40,393$10,954$240,965
Pension Plan Contributions$209,441$-15,517$3,388$197,312
Depreciation Depletion$106,175$32,639$0$138,814
Travel$117,536$2,067$1,532$121,135
All Other Expenses$91,318$22,096$877$114,291
Information Technology$88,819$4,059$1,082$93,960
Other Expenses$92,665$0$0$92,665
Insurance$76,623$5,361$160$82,144
Advertising$34,591$4,646$3,985$43,222
Fees for Services Accounting$0$39,110$0$39,110
Fees for Services Other$0$32,045$1,961$34,006
Fees for Service Investment Mgmnt Fees$0$6,497$0$6,497
Conferences and Meetings$69$0$0$69
Total Functional Expenses$18,187,771$844,213$104,328$19,136,312
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Michiana Resources IncMichigan City, IN501(c)(3)Senior services$93,477
Kosciusko County Council on Aging and AgedWarsaw, IN501(c)(3)Senior services$84,120
Council on Aging of Elkhart County IncElkhart, IN501(c)(3)Senior services$67,971
LaPorte County Meals on WheelsMichigan City, IN501(c)(3)Senior services$50,851
Combined Community ServicesWarsaw, IN501(c)(3)General support$46,833
Marshall County Older AdultsPlymouth, IN501(c)(3)Senior services & General support$42,246
Habitat for HumanityGoshen, IN501(c)(3)General support$31,945
Elkhart Child Development CtrElkhart, IN501(c)(3)General support$30,250
St Margaret's HouseSouth Bend, IN501(c)(3)General support$27,500
St Vincent DePaul Society of St Joseph CountySouth Bend, IN501(c)(3)Senior services$26,978
The Window IncGoshen, IN501(c)(3)Senior services$23,816
LaPorte Meals on WheelsLaPorte, IN501(c)(3)Senior services$22,542
Indiana Legal Services IncIndianapolis, IN501(c)(3)Senior services$20,333
La Casa de AmisteadSouth Bend, IN501(c)(3)General support$19,278
Northern Indiana Hispanic Health CoalitionElkhart, IN501(c)(3)General support$5,889
Compassion Health CareRochester, IN501(c)(3)Senior services$5,007
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
Yes
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Gaming Gross Income$108,546
Gaming Direct Expenses$48,023
Fundraising Gross Income$40,613
Fundraising Direct Expenses$19,551
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Alzheimer Walks$54,620$0$1,000$-1,000
Age of Excellence Luncheon$122,113$40,613$4,820$35,793
Total Events$176,733$40,613$38,140$2,473
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued employee benefits$371,197
Accrued deferred compensation plan benefits$219,071
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
REAL Services Inc
EIN
35-1157606
Phone
5742338205
Address
PO Box 1835, South Bend, IN 46634-1835

Signing Officer

Name
Rebecca A Zaseck
Title
President/CEO
Phone
5742338205
Signed
2019-10-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rebecca A Zaseck
Formed
1966
Legal Domicile
In
Voting Board Members
20
Independent Board Members
20
Employees
243
Volunteers
3,286

Preparer

Firm
CULLAR & ASSOCIATES PC CPA'S
Address
218 W WASHINGTON ST SUITE 300, SOUTH BEND, IN 46601
Preparer
Richard J Cullar CPA
Phone
5742888320
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

A copy of the Form 990 was provided to the President/CEO, Director of Finance, and all members of the Board of Directors for review and comment prior to the January 2020 Board meeting, at which it was approved for filing after a detailed presentation by the preparer.

Pt VI, Line 12C

Persons covered by this policy will annually disclose to the Chair of the Board of Directors, on a form provided by the Agency, interests that could give rise to conflicts of interest. For each interest disclosed to the Chair of the Board of Directors, the Chair will determine whether to take no action, assure full disclosure to the Board, ask the person to recuse him or herself from participation in related decisions within the Agency, or ask the person to resign his/her position with the Agency.

Pt VI, Line 15A

The independent Finance Committee of the Board of Directors reviews comparable salary studies in setting compensation. This was last performed in May 2019.

Pt VI, Line 15B

Comparable steps are taken to determine salaries of other key employees. This was last performed in May 2019.

Pt VI, Line 19

The Organization's governing documents, conflict of interest policy, and financial statements are made available to the public upon request. Members of the public may come to our offices and review all documents.

Pt VII, Col (E)

The President/CEO and the Director of Finance and Administration each work a combined total of approximately 37.5 hours for REAL Services, Inc., REAL Services Housing, Inc., and REAL Services Foundation, Inc. Members of the Board of Directors each work a combined total of approximately 2 hours per week for REAL Services, Inc., REAL Services Housing, Inc., and REAL Services Foundation, Inc.

Pt XI

Line 9: Change in value of beneficial interest in assets held by Community Foundation of St. Joseph County of $(680).

Form 990, Part III, Line 4D

WEATHERIZATION-families whose income is below 150% of 631726. 376733. 0.

Form 990, Part III, Line 4D

HOME HEALTH CARE - provides home health care to 1832655. 1823403. 12649.

Form 990, Part III, Line 4D

COMMUNITY SERVICES - provides a range of services 716904. 283122. 0.

Form 990, Part III, Line 4D

AREA AGENCY ON AGING - provides a variety of 744040. 150989. 0.

Form 990, Part III, Line 4D

FOSTER GRANDPARENTS-provides an opportunity 208128. 110957. 0.

Form 990, Part III, Line 4D

TRANSPORTATION-provides escort and transportation 278382. 685. 74852.

Form 990, Part III, Line 4D

GUARDIANSHIP-serves the interests of older adults 210813. 302. 48531.

Form 990, Part III, Line 4D

ALZHEIMER'S AND DEMENTIA SERVICES - provides education 279624. 14472. 312937.

Form 990, Part IX, Line 24E

Recognition 7219. 5854. 1365. 0.

Form 990, Part IX, Line 24E

Dues and subscriptions 47007. 44358. 311. 2338.

Form 990, Part IX, Line 24E

Training 8172. 6800. 1372. 0.

Form 990, Part IX, Line 24E

Other 35736. 34270. 3498. -2032.

Form 990, Part IX, Line 24E

Background checks 36. 36. 0. 0.

Form 990, Part IX, Line 24E

Other 16121. 0. 15550. 571.

Financial Statement Notes

Pt IV, Line 2B

The Organization serves as legal guardian for certain older adults, holding assets on their behalf.

Pt V, Line 4

Income from the permanent endowment is donor-restricted for the Organization's Caregiver Connection program.

Pt X, Line 2

We recognize the tax benefit from an uncertain tax position only if it is more likely than not that the position will be sustained on examination by taxing authorities based on the technical merits of the position. The tax benefits recognized in the financial statements from such a position are measured based on the largest benefit that has a greater than 50% likelihood of being realized upon ultimate settlement. Examples of tax positions include our tax-exempt status and positions related to the potential sources of unrelated business taxable income. We have not identified any uncertain tax positions taken or expected to be taken in a tax return, and there are no unrecognized tax benefits recorded as liabilities in the accompanying financial statements. We classify interest and penalties, if any, associated with uncertain tax positions as a component of income tax expense, and there was no accrued interest or any penalties related to unrecognized tax benefits at either June 30, 2019 or 2018, or any interest or penalties expense related to unrecognized tax benefits for the years then ended. We are no longer subject to examination by the Internal Revenue Service or the State of Indiana for years prior to June 30, 2016.

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IRS990/Form990PartVIISectionAGrp/PersonNm1Edward Baer
IRS990/Form990PartVIISectionAGrp/PersonNm2Margaret Cuggino
IRS990/Form990PartVIISectionAGrp/PersonNm3Laura Hennings
IRS990/Form990PartVIISectionAGrp/PersonNm4Sen David Niezgodski
IRS990/Form990PartVIISectionAGrp/PersonNm5Colette Wolfson
IRS990/Form990PartVIISectionAGrp/PersonNm6Dr JoAnn M Burke
IRS990/Form990PartVIISectionAGrp/PersonNm7Thomas S Ehlers
IRS990/Form990PartVIISectionAGrp/PersonNm8Steven A Goldberg CPA
IRS990/Form990PartVIISectionAGrp/PersonNm9Debra Jenkins
IRS990/Form990PartVIISectionAGrp/PersonNm10William W Cushwa
IRS990/Form990PartVIISectionAGrp/PersonNm11Janet G Horvath
IRS990/Form990PartVIISectionAGrp/PersonNm12Peter H Mullen
IRS990/Form990PartVIISectionAGrp/PersonNm13Rafael Morton
IRS990/Form990PartVIISectionAGrp/PersonNm14Steven Watts
IRS990/Form990PartVIISectionAGrp/PersonNm15Karen Nevorski
IRS990/Form990PartVIISectionAGrp/PersonNm16Ryan Brennan
IRS990/Form990PartVIISectionAGrp/PersonNm17Tim Emerick
IRS990/Form990PartVIISectionAGrp/PersonNm18Michelle Stesiak CPA
IRS990/Form990PartVIISectionAGrp/PersonNm19Mary Jane Stanley
IRS990/Form990PartVIISectionAGrp/PersonNm20Rebecca Zaseck
IRS990/Form990PartVIISectionAGrp/PersonNm21Andrew S Vargo
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IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt16Chairperson Elect
IRS990/Form990PartVIISectionAGrp/TitleTxt17Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt18Assistant Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt19Immediate Past Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt20President/CEO/Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt21Dir. Admin. & Finance
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IRS990/MissionDesc0Believing in the dignity of all people,the objective of REAL Services is to assist in establishing a community in which those we serve can maintain their independence to the maximum degree possible and find meaning and satisfaction throughout their lives. To fulfill our mission, the progams we offer enhance the quality of life. Additional programs provide education for individuals and families through Options Counseling, Aging and Disability Resource Center, Lunch n' Learns, Chronic Disease Management, Medicare Counseling, Financial Literacy, and more.
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IRS990/OtherExpensesGrp/Desc0Food
IRS990/OtherExpensesGrp/Desc1Program supplies

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$12.3$3.47$8.79$21.3$23.2$1.93
2024Detailed filing. Detailed filing data is available for this year.$15.0$4.52$10.5$30.0$30.8$0.76
2023Detailed filing. Detailed filing data is available for this year.$14.9$4.05$10.8$32.8$34.2$1.38
2022Detailed filing. Detailed filing data is available for this year.$14.9$3.00$11.9$31.2$30.7$0.56
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.3$4.18$12.1$25.5$23.8$1.73
2020Detailed filing. Detailed filing data is available for this year.$13.1$3.13$10.0$21.5$20.2$1.29
2019Detailed filing. Detailed filing data is available for this year.$11.2$2.12$9.09$20.2$19.1$1.07
2018Detailed filing. Detailed filing data is available for this year.$9.90$1.91$7.99$20.4$19.3$1.16
2017Detailed filing. Detailed filing data is available for this year.$8.41$1.60$6.81$16.8$16.4$0.35
2016Detailed filing. Detailed filing data is available for this year.$7.99$1.56$6.42$18.8$18.6$0.17
2015Detailed filing. Detailed filing data is available for this year.$7.75$1.43$6.33$18.2$17.9$0.29
2014Detailed filing. Detailed filing data is available for this year.$7.32$1.24$6.08$18.2$18.3$0.08
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.26$2.17$6.08$19.7
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.54$2.00$5.53$19.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.72$2.39$4.32$20.8