Civic Intelligence

Bayer Credit Union

990 • Fiscal year 2017 • EIN 43-1062827

Jan 01, 2017 to Dec 31, 2017 • Filed on May 15, 2018

Organization ProfileWWW.BAYERCU.ORG

View Organization Page

8400 Hawthorne RoadKansas City, MO 64120-2301

(816) 242-2133

Siviq Scores

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

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

63rd percentile

21.31x

Higher debt load relative to revenue than 63% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

8th percentile

-22%

Higher net margin than 8% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

66th percentile

$62,398

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 23.4% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

5th percentile

-7.7%

Faster asset growth than 5% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

17th percentile

-3.9%

Faster revenue growth than 17% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets81st percentile

Assets

Down

$6,271,754

Down $526,780 (-7.7%) from 2016

Net Assets

Down

$588,479

Down $58,678 (-9.1%) from 2016

Liabilities

Down

$5,683,275

Down $468,102 (-7.6%) from 2016

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin8th percentile

Revenue

Down

$266,685

Down $10,776 (-3.9%) from 2016

Expenses

Up

$325,363

Up $30,785 (+10%) from 2016

Net Income

Down

-$58,678

Down $41,561 (-243%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth5th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,910,482Liabilities 2010: $6,117,149Net Assets 2010: $793,3332010Assets 2011: $6,959,419Liabilities 2011: $6,191,194Net Assets 2011: $768,2252011Assets 2012: $7,028,762Liabilities 2012: $6,258,980Net Assets 2012: $769,7822012Assets 2013: $7,074,965Liabilities 2013: $6,377,923Net Assets 2013: $697,0422013Assets 2014: $7,049,302Liabilities 2014: $6,375,102Net Assets 2014: $674,2002014Assets 2015: $7,187,685Liabilities 2015: $6,511,439Net Assets 2015: $676,2462015Assets 2016: $6,798,534Liabilities 2016: $6,151,377Net Assets 2016: $647,1572016Assets 2017: $6,271,754Liabilities 2017: $5,683,275Net Assets 2017: $588,4792017Assets 2018: $6,418,073Liabilities 2018: $5,827,193Net Assets 2018: $590,8802018Assets 2019: $6,710,737Liabilities 2019: $6,126,185Net Assets 2019: $584,5522019Assets 2020: $7,124,732Liabilities 2020: $6,623,939Net Assets 2020: $500,7932020Assets 2021: $7,401,815Liabilities 2021: $6,953,847Net Assets 2021: $447,9682021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2017

Assets$6,271,754
Liabilities$5,683,275
Net Assets$588,479
Open 2017 Filing

Operations Trend

Revenue Growth17th percentile

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

$600K$400K$200K$0-$200K-$400KExpenses 2010: $452,2562010Expenses 2011: $346,7702011Expenses 2012: $304,9462012Revenue 2013: $297,891Expenses 2013: $370,631Net Income 2013: -$72,7402013Revenue 2014: $293,234Expenses 2014: $316,076Net Income 2014: -$22,8422014Revenue 2015: $282,443Expenses 2015: $280,397Net Income 2015: $2,0462015Revenue 2016: $277,461Expenses 2016: $294,578Net Income 2016: -$17,1172016Revenue 2017: $266,685Expenses 2017: $325,363Net Income 2017: -$58,6782017Revenue 2018: $279,552Expenses 2018: $277,151Net Income 2018: $2,4012018Revenue 2019: $295,290Expenses 2019: $301,618Net Income 2019: -$6,3282019Revenue 2020: $254,861Expenses 2020: $338,620Net Income 2020: -$83,7592020Revenue 2021: $233,098Expenses 2021: $285,923Net Income 2021: -$52,8252021Revenue 2022: $165,323Expenses 2022: $383,454Net Income 2022: -$218,1312022

Highlighted filing

2017

Revenue$266,685
Expenses$325,363
Net Income-$58,678
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 15, 2018
Return Version
2017v2.2
Gross Receipts
$266,685
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$3,444,482$3,203,456▼ $241,026
Other Notes and Loans Receivable, Net$3,014,224$2,719,508▼ $294,716
Rtn Earn Endowment Incm Other Fnds$647,157$588,479▼ $58,678
Cash and Non-Interest-Bearing Accounts$160,765$170,564▲ $9,799
Investments Other Securities$101,048$100,868▼ $180
Prepaid Expenses and Deferred Charges-$7,977-
Land, Buildings, and Equipment, Net$13$13→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$6,798,534$6,271,754▼ $526,780
Other Assets Total$78,002$69,368▼ $8,634
Liabilities
Other Liabilities$6,138,277$5,668,398▼ $469,879
Accounts Payable and Accrued Expenses$13,100$14,877▲ $1,777
Total Liabilities$6,151,377$5,683,275▼ $468,102
Net Assets / Fund Balance
Total Net Assets Fund Balance$647,157$588,479▼ $58,678
Total Liabilities and Net Assets / Fund Balance$6,798,534$6,271,754▼ $526,780

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$0$36,759$36,759
Equipment$13$6,001$6,014
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sharri WardlowPresidentFT$59,775$2,623$62,398

Board Members and Trustees

NameTitle
Kimberly RandallChairman
Maxwell HicksVice Chairman
Tina MyersDirector
Charles DonaldsonSecretary
J Todd FrankTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$214,713
Investment Income
$51,972
Other Revenue
$0
Change in Net Assets
$-58,678
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$198,878
Salaries, Compensation, and Employee Benefits$126,485
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$79,214
Current Officers, Directors, Trustees, and Key Employees---$62,398
Other Salaries and Wages---$43,726
Information Technology---$29,162
Fees for Services Accounting---$18,925
Other Employee Benefits---$9,988
Insurance---$9,118
Payroll Taxes---$8,021
Fees for Services Other---$6,366
Other Expenses---$5,520
Pension Plan Contributions---$2,352
Fees for Services Legal---$1,444
Conferences and Meetings---$669
All Other Expenses---$371
Advertising---$197
Total Functional Expenses$0$0$0$325,363
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$5,668,398
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“The credit union is mutually owned by members.”

Form 990, Part VI, Section A, line 7A

“The board of directors are elected by the credit union members.”

Form 990, Part VI, Section A, line 7B

“Significant changes such as changes to bylaws and mergers are subject to approval by the credit union members; however, no such changes were made during the year.”

Form 990, Part VI, Section B, line 11B

“The president reviews the form 990 before filing.”

Form 990, Part VI, Section B, line 12C

“On an annual basis, the president and all directors and committee members are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews and approves the president's compensation. All other employees' compensation is determined by the president and presented as part of the budget package to the board of directors for approval. The board's deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the lobby, presented at the annual meeting, and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
Bayer Credit Union
EIN
43-1062827
Phone
8162422133
Address
8400 HAWTHORNE ROAD, KANSAS CITY, MO 64120-2301

Signing Officer

Name
Sharri Wardlow
Title
President
Phone
8162422760
Signed
2018-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sharri Wardlow
Formed
1975
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Jerry Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part III, line 2

“In 2017, the credit union partnered with servion mortgage to process first mortgage loans for members.”

Raw XML Appendix331 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/AccountsPayableAccrExpnssGrp/BOYAmt013100
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt014877
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/AdvertisingGrp/TotalAmt0197
IRS990/AllOtherExpensesGrp/TotalAmt0371
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0SHARRI WARDLOW
IRS990/BooksInCareOfDetail/PhoneNum08162422760
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08400 HAWTHORNE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0KANSAS CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
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IRS990/ChangeToOrgDocumentsInd00
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IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
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IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,382 MEMBERS.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt52623
IRS990/Form990PartVIISectionAGrp/PersonNm0KIMBERLY RANDALL
IRS990/Form990PartVIISectionAGrp/PersonNm1MAXWELL HICKS
IRS990/Form990PartVIISectionAGrp/PersonNm2CHARLES DONALDSON
IRS990/Form990PartVIISectionAGrp/PersonNm3J TODD FRANK
IRS990/Form990PartVIISectionAGrp/PersonNm4TINA MYERS
IRS990/Form990PartVIISectionAGrp/PersonNm5SHARRI WARDLOW
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
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IRS990/FSAuditedInd00
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IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0266685
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
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IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InvestmentInJointVentureInd00
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IRS990/IRPDocumentCnt0124
IRS990/IRPDocumentW2GCnt00
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IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0647157
IRS990/NetAssetsOrFundBalancesEOYAmt0588479
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt079214
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherChangesInNetAssetsAmt00
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IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2LEAGUE DUES
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IRS990/PartialLiquidationInd00
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2017, THERE WERE 375 LOANS OUTSTANDING TOTALING $2,739,334.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $5,520 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
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IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0IN 2017, THE CREDIT UNION PARTNERED WITH SERVION MORTGAGE TO PROCESS FIRST MORTGAGE LOANS FOR MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ON AN ANNUAL BASIS, THE PRESIDENT AND ALL DIRECTORS AND COMMITTEE MEMBERS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION. ALL OTHER EMPLOYEES' COMPENSATION IS DETERMINED BY THE PRESIDENT AND PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, line 19
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IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
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ReturnHeader/FilingSecurityInformation/IPTm012:51:41
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
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ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JERRY TENBRINK
ReturnHeader/ReturnTs02018-05-15T12:51:55-05:00
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ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,271,754
Liabilities
$5,683,275
Net assets
$588,479
Revenue
$266,685
Expenses
$325,363
Net income
-$58,678
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.17$0.38$0.22
2021Detailed filing. Detailed filing data is available for this year.$7.40$6.95$0.45$0.23$0.29$0.05
2020Detailed filing. Detailed filing data is available for this year.$7.12$6.62$0.50$0.25$0.34$0.08
2019Detailed filing. Detailed filing data is available for this year.$6.71$6.13$0.58$0.30$0.30$0.01
2018Detailed filing. Detailed filing data is available for this year.$6.42$5.83$0.59$0.28$0.28$0.00
2017Detailed filing. Detailed filing data is available for this year.$6.27$5.68$0.59$0.27$0.33$0.06
2016Detailed filing. Detailed filing data is available for this year.$6.80$6.15$0.65$0.28$0.29$0.02
2015Detailed filing. Detailed filing data is available for this year.$7.19$6.51$0.68$0.28$0.28$0.00
2014Detailed filing. Detailed filing data is available for this year.$7.05$6.38$0.67$0.29$0.32$0.02
2013Detailed filing. Detailed filing data is available for this year.$7.07$6.38$0.70$0.30$0.37$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.03$6.26$0.77$0.30
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.96$6.19$0.77$0.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.91$6.12$0.79$0.45