Civic Intelligence

MID-Atlantic Clearing House

990 • Fiscal year 2016 • EIN 52-1051341

Jan 01, 2016 to Dec 31, 2016 • Filed on Jul 07, 2017

Organization ProfileWWW.MACHA.ORG
1344 Ashton Road Rm/Ste 202Hanover, MD 21076

(410) 859-0090

Siviq Scores

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

Liabilities / Assets

19th percentile

0.02x

Higher debt load relative to assets than 19% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

23rd percentile

0.04x

Higher debt load relative to revenue than 23% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Net Margin

65th percentile

7.0%

Higher net margin than 65% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2016

Asset Growth

49th percentile

3.3%

Faster asset growth than 49% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

35th percentile

-0.8%

Faster revenue growth than 35% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$3,409,966

Up $109,506 (+3.3%) from 2015

Net Assets

Up

$3,357,590

Up $94,541 (+2.9%) from 2015

Liabilities

Up

$52,376

Up $14,965 (+40%) from 2015

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin65th percentile

Revenue

Down

$1,357,546

Down $10,844 (-0.8%) from 2015

Expenses

Down

$1,263,005

Down $6,937 (-0.5%) from 2015

Net Income

Down

$94,541

Down $3,907 (-4.0%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $2,784,644Liabilities 2011: $23,251Net Assets 2011: $2,761,3932011Assets 2012: $2,938,447Liabilities 2012: $23,890Net Assets 2012: $2,914,5572012Assets 2013: $3,046,034Liabilities 2013: $37,780Net Assets 2013: $3,008,2542013Assets 2014: $3,212,166Liabilities 2014: $47,565Net Assets 2014: $3,164,6012014Assets 2015: $3,300,460Liabilities 2015: $37,411Net Assets 2015: $3,263,0492015Assets 2016: $3,409,966Liabilities 2016: $52,376Net Assets 2016: $3,357,5902016Assets 2017: $3,602,397Liabilities 2017: $47,893Net Assets 2017: $3,554,5042017Assets 2018: $3,652,426Liabilities 2018: $63,827Net Assets 2018: $3,588,5992018Assets 2019: $3,797,508Liabilities 2019: $52,237Net Assets 2019: $3,745,2712019Assets 2020: $5,335,398Liabilities 2020: $462,824Net Assets 2020: $4,872,5742020Assets 2021: $5,873,780Liabilities 2021: $438,940Net Assets 2021: $5,434,8402021Assets 2022: $6,550,728Liabilities 2022: $745,104Net Assets 2022: $5,805,6242022Assets 2023: $7,020,064Liabilities 2023: $776,683Net Assets 2023: $6,243,3812023Assets 2024: $7,409,655Liabilities 2024: $812,547Net Assets 2024: $6,597,1082024

Highlighted filing

2016

Assets$3,409,966
Liabilities$52,376
Net Assets$3,357,590
Open 2016 Filing

Operations Trend

Revenue Growth35th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2011: $1,095,0542011Expenses 2012: $1,098,9062012Revenue 2013: $1,250,334Expenses 2013: $1,156,637Net Income 2013: $93,6972013Revenue 2014: $1,346,287Expenses 2014: $1,189,940Net Income 2014: $156,3472014Revenue 2015: $1,368,390Expenses 2015: $1,269,942Net Income 2015: $98,4482015Revenue 2016: $1,357,546Expenses 2016: $1,263,005Net Income 2016: $94,5412016Revenue 2017: $1,378,860Expenses 2017: $1,181,946Net Income 2017: $196,9142017Revenue 2018: $1,367,909Expenses 2018: $1,333,814Net Income 2018: $34,0952018Revenue 2019: $1,384,448Expenses 2019: $1,227,776Net Income 2019: $156,6722019Revenue 2020: $1,963,701Expenses 2020: $1,678,767Net Income 2020: $284,9342020Revenue 2021: $2,398,437Expenses 2021: $1,839,858Net Income 2021: $558,5792021Revenue 2022: $2,979,882Expenses 2022: $2,581,192Net Income 2022: $398,6902022Revenue 2023: $3,361,930Expenses 2023: $2,924,173Net Income 2023: $437,7572023Revenue 2024: $3,540,462Expenses 2024: $3,186,735Net Income 2024: $353,7272024

Highlighted filing

2016

Revenue$1,357,546
Expenses$1,263,005
Net Income$94,541
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jul 7, 2017
Return Version
2016v3.0
Gross Receipts
$1,395,360
Mission and Program Overview

Mission

The primary activity of the organization is training amd member support on electronic payments.

The primary activity of the organization is to supervise and coordinate the processing of electronic funds transfers for its members and provide educational seminars to users of the system.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,657,978$2,845,776▲ $187,798
Cash and Non-Interest-Bearing Accounts$476,336$382,205▼ $94,131
Accounts Receivable$92,934$89,241▼ $3,693
Prepaid Expenses and Deferred Charges$38,259$54,339▲ $16,080
Land, Buildings, and Equipment, Net$25,413$34,197▲ $8,784
Inventories for Sale or Use$5,332--
Total Assets$3,300,460$3,409,966▲ $109,506
Other Assets Total$4,208$4,208→ $0
Liabilities
Accounts Payable and Accrued Expenses$20,433$33,436▲ $13,003
Deferred Revenue$16,978$18,940▲ $1,962
Total Liabilities$37,411$52,376▲ $14,965
Net Assets / Fund Balance
Unrestricted Net Assets$3,263,049$3,357,590▲ $94,541
Total Net Assets Fund Balance$3,263,049$3,357,590▲ $94,541
Total Liabilities and Net Assets / Fund Balance$3,300,460$3,409,966▲ $109,506

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$30,892$29,361$60,253
Other Land Buildings$3,305$16,994$20,299
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Robert E DaelPresidentFT$219,957$219,957

Board Members and Trustees

NameTitle
Jeanine Andol-moellerChairperson
Melissa a QuirkVice Chairpe
Dan MinerDirector
Dave WillisDirector
J Michael HillDirector
Joy KramerDirector
Tracy BerrimanDirector
John F Goedeke JrSecretary
James H Thompson IiiTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,307,645
Investment Income
$46,304
Other Revenue
$3,597
Change in Net Assets
$94,541

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,357,546
Revenue Not Reported on Form 990
$37,814
Total Revenue per Audited Statements
$1,395,360
Total Revenue per Form 990
$1,357,546
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$890,903
Other Expenses$372,102
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$444,549
Current Officers, Directors, Trustees, and Key Employees---$219,957
Pension Plan Contributions---$98,211
Other Employee Benefits---$84,901
Occupancy---$74,361
Payroll Taxes---$43,285
Conferences and Meetings---$39,155
Fees for Services Other---$31,235
All Other Expenses---$19,863
Depreciation Depletion---$11,435
Other Expenses---$11,002
Office Expenses---$10,622
Fees for Services Accounting---$10,040
Travel---$9,575
Insurance---$9,280
Total Functional Expenses$0$0$0$1,263,005

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,300,819
Expenses per Audited Statements$1,263,005
Total Expenses per Form 990$1,263,005
Expenses Not Reported on Form 990$37,814
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
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, Page 6, Part VI, Line 6

“The membership consists of financial institutions and associate members.”

Form 990, Page 6, Part VI, Line 7A

“Largest volume credit union appoints one member. Largest volume bank member appoints one member.”

Form 990, Page 6, Part VI, Line 11B

“Director reviews with cpa and signs return.”

Form 990, Page 6, Part VI, Line 12C

“All disclosure statements given by board.”

Form 990, Page 6, Part VI, Line 15A

“Compensation of top official is based on performance goals and objectives.”

Form 990, Page 6, Part VI, Line 19

“Documents are furnished upon request.”

Filing and Contact Details

Filer

Filer Name
Mid-atlantic Clearing House
EIN
52-1051341
Phone
4108590090
Address
1344 ASHTON ROAD RM/STE 202, HANOVER, MD 21076

Signing Officer

Name
Robert E Dael
Title
President
Phone
4108590090
Signed
2017-07-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert E Dael
Formed
1975
Legal Domicile
Md
Voting Board Members
10
Independent Board Members
9
Employees
7

Preparer

Firm
Wolfe & Fiedler Pa
Address
634 FREDERICK RD STE 1, CATONSVILLE, MD 21228
Preparer
Brian T Wolfe
Phone
4107470789
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Educate membership and provide clearing house for ach transactions”

Form 990, Part XI, Line 9

“Publication sales 37,814 publications cost of goods sold -37,814”

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 2D

“PUBLICATION SALES 37,814”

Schedule D, Page 4, Part XII, Line 2D

“Publications cost of goods sold 37,814”

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

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IRS990/SavingsAndTempCashInvstGrp/EOYAmt02845776
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt030892
IRS990ScheduleD/EquipmentGrp/DepreciationAmt029361
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt060253
IRS990ScheduleD/ExpensesNotReportedAmt037814
IRS990ScheduleD/ExpensesSubtotalAmt01263005
IRS990ScheduleD/OtherExpensesIncludedAmt037814
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03305
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt016994
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt020299
IRS990ScheduleD/OtherRevenueAmt037814
IRS990ScheduleD/RevenueNotReportedAmt037814
IRS990ScheduleD/RevenueSubtotalAmt01357546
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0PUBLICATION SALES 37,814
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1PUBLICATIONS COST OF GOODS SOLD 37,814
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt034197
IRS990ScheduleD/TotalExpensesPerForm990Amt01263005
IRS990ScheduleD/TotalRevenuePerForm990Amt01357546
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01395360
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01300819
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0219957
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROBERT E DAEL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0219957
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EDUCATE MEMBERSHIP AND PROVIDE CLEARING HOUSE FOR ACH TRANSACTIONS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERSHIP CONSISTS OF FINANCIAL INSTITUTIONS AND ASSOCIATE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2LARGEST VOLUME CREDIT UNION APPOINTS ONE MEMBER. LARGEST VOLUME BANK MEMBER APPOINTS ONE MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DIRECTOR REVIEWS WITH CPA AND SIGNS RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL DISCLOSURE STATEMENTS GIVEN BY BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION OF TOP OFFICIAL IS BASED ON PERFORMANCE GOALS AND OBJECTIVES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE FURNISHED UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7PUBLICATION SALES 37,814 PUBLICATIONS COST OF GOODS SOLD -37,814
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt03300460
IRS990/TotalAssetsEOYAmt03409966
IRS990/TotalAssetsGrp/BOYAmt03300460
IRS990/TotalAssetsGrp/EOYAmt03409966
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01263005
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt037411
IRS990/TotalLiabilitiesEOYAmt052376
IRS990/TotalLiabilitiesGrp/BOYAmt037411
IRS990/TotalLiabilitiesGrp/EOYAmt052376
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03263049
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03357590
IRS990/TotalProgramServiceRevenueAmt01307645
IRS990/TotalReportableCompFromOrgAmt0219957
IRS990/TotalRevenueGrp/ExclusionAmt046304
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01311242
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01357546
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03300460
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03409966
IRS990/TravelGrp/TotalAmt09575
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt03263049
IRS990/UnrestrictedNetAssetsGrp/EOYAmt03357590
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01344 ASHTON RD STE 202
IRS990/USAddress/CityNm0HANOVER
IRS990/USAddress/StateAbbreviationCd0MD
IRS990/USAddress/ZIPCd021076
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.MACHA.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT E DAEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04108590090
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-07-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MID-ATLANTIC CLEARING HOUSE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0MID-
ReturnHeader/Filer/EIN0521051341
ReturnHeader/Filer/PhoneNum04108590090
ReturnHeader/Filer/USAddress/AddressLine1Txt01344 ASHTON ROAD RM/STE 202
ReturnHeader/Filer/USAddress/CityNm0HANOVER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021076
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0DD9F2335B466B4A5B8505C1A07781CE3E36E00B4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0DD9F2335B466B4A5B8505C1A07781CE3E36E00B4
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0521798441
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WOLFE & FIEDLER PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0634 FREDERICK RD STE 1
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CATONSVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd021228
ReturnHeader/PreparerPersonGrp/PhoneNum04107470789
ReturnHeader/PreparerPersonGrp/PreparationDt02017-07-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRIAN T WOLFE
ReturnHeader/ReturnTs02017-07-07T14:49:48-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,409,966
Liabilities
$52,376
Net assets
$3,357,590
Revenue
$1,357,546
Expenses
$1,263,005
Net income
$94,541
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.41$0.81$6.60$3.54$3.19$0.35
2023Detailed filing. Detailed filing data is available for this year.$7.02$0.78$6.24$3.36$2.92$0.44
2022Detailed filing. Detailed filing data is available for this year.$6.55$0.75$5.81$2.98$2.58$0.40
2021Detailed filing. Detailed filing data is available for this year.$5.87$0.44$5.43$2.40$1.84$0.56
2020Detailed filing. Detailed filing data is available for this year.$5.34$0.46$4.87$1.96$1.68$0.28
2019Detailed filing. Detailed filing data is available for this year.$3.80$0.05$3.75$1.38$1.23$0.16
2018Detailed filing. Detailed filing data is available for this year.$3.65$0.06$3.59$1.37$1.33$0.03
2017Detailed filing. Detailed filing data is available for this year.$3.60$0.05$3.55$1.38$1.18$0.20
2016Detailed filing. Detailed filing data is available for this year.$3.41$0.05$3.36$1.36$1.26$0.09
2015Detailed filing. Detailed filing data is available for this year.$3.30$0.04$3.26$1.37$1.27$0.10
2014Detailed filing. Detailed filing data is available for this year.$3.21$0.05$3.16$1.35$1.19$0.16
2013Detailed filing. Detailed filing data is available for this year.$3.05$0.04$3.01$1.25$1.16$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.94$0.02$2.91$1.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.78$0.02$2.76$1.10