Civic Intelligence

Mccarty Housing Development Fund Company Inc.

990 • Fiscal year 2015 • EIN 56-2353412

Jan 01, 2015 to Dec 31, 2015 • Filed on May 16, 2016

200 South Pearl StreetAlbany, NY 12202

(518) 641-7500

Siviq Scores

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

Liabilities / Assets

98th percentile

2.05x

Higher debt load relative to assets than 98% of similar nonprofits.

2015 filings • NTEE L20 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

75th percentile

9.19x

Higher debt load relative to revenue than 75% of similar nonprofits.

2015 filings • NTEE L20 • $1M-$5M nonprofits • Source year 2015

Net Margin

29th percentile

-35%

Higher net margin than 29% of similar nonprofits.

2015 filings • NTEE L20 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

45th percentile

$0

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2015 filings • NTEE L20 • $1M-$5M nonprofits • Source year 2015

Asset Growth

29th percentile

-3.4%

Faster asset growth than 29% of similar nonprofits.

2015 filings • NTEE L20 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

43rd percentile

1.8%

Faster revenue growth than 43% of similar nonprofits.

2015 filings • NTEE L20 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Assets

Flat

$4,086,048

Flat from 2015

Net Assets

Flat

-$4,308,346

Flat from 2015

Liabilities

Flat

$8,394,394

Flat from 2015

Revenue

Flat

$913,615

Flat from 2015

Expenses

Flat

$1,234,135

Flat from 2015

Net Income

Flat

-$320,520

Flat from 2015

Historical Trend

Balance Sheet Trend

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

$15M$10M$5.0M$0-$5.0M-$10MAssets 2011: $4,610,534Liabilities 2011: $7,436,538Net Assets 2011: -$2,826,0042011Assets 2012: $4,491,710Liabilities 2012: $7,666,409Net Assets 2012: -$3,174,6992012Assets 2013: $4,376,506Liabilities 2013: $7,955,966Net Assets 2013: -$3,579,4602013Assets 2014: $4,231,225Liabilities 2014: $8,219,051Net Assets 2014: -$3,987,8262014Assets 2015: $4,086,048Liabilities 2015: $8,394,394Net Assets 2015: -$4,308,3462015Assets 2015: $4,086,048Liabilities 2015: $8,394,394Net Assets 2015: -$4,308,3462015Assets 2016: $4,105,528Liabilities 2016: $8,721,306Net Assets 2016: -$4,615,7782016Assets 2017: $4,052,046Liabilities 2017: $8,916,489Net Assets 2017: -$4,864,4432017Assets 2018: $4,074,129Liabilities 2018: $9,222,592Net Assets 2018: -$5,148,4632018Assets 2019: $3,974,530Liabilities 2019: $9,464,234Net Assets 2019: -$5,489,7042019Assets 2020: $3,870,337Liabilities 2020: $9,735,132Net Assets 2020: -$5,864,7952020Assets 2021: $3,824,100Liabilities 2021: $9,975,911Net Assets 2021: -$6,151,8112021Assets 2022: $3,671,516Liabilities 2022: $10,255,914Net Assets 2022: -$6,584,3982022Assets 2023: $3,317,949Liabilities 2023: $10,497,109Net Assets 2023: -$7,179,1602023Assets 2024: $3,124,590Liabilities 2024: $10,673,757Net Assets 2024: -$7,549,1672024

Highlighted filing

2015

Assets$4,086,048
Liabilities$8,394,394
Net Assets-$4,308,346

Operations Trend

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

$2.0M$1.0M$0-$1.0MExpenses 2011: $1,104,5392011Expenses 2012: $1,160,3402012Revenue 2013: $836,464Expenses 2013: $1,214,870Net Income 2013: -$378,4062013Revenue 2014: $897,866Expenses 2014: $1,306,232Net Income 2014: -$408,3662014Revenue 2015: $913,615Expenses 2015: $1,234,135Net Income 2015: -$320,5202015Revenue 2015: $913,615Expenses 2015: $1,234,135Net Income 2015: -$320,5202015Revenue 2016: $906,019Expenses 2016: $1,213,451Net Income 2016: -$307,4322016Revenue 2017: $889,757Expenses 2017: $1,138,422Net Income 2017: -$248,6652017Revenue 2018: $857,047Expenses 2018: $1,141,067Net Income 2018: -$284,0202018Revenue 2019: $846,497Expenses 2019: $1,187,738Net Income 2019: -$341,2412019Revenue 2020: $855,889Expenses 2020: $1,230,980Net Income 2020: -$375,0912020Revenue 2021: $901,160Expenses 2021: $1,188,176Net Income 2021: -$287,0162021Revenue 2022: $898,842Expenses 2022: $1,331,429Net Income 2022: -$432,5872022Revenue 2023: $917,716Expenses 2023: $1,512,478Net Income 2023: -$594,7622023Revenue 2024: $1,010,866Expenses 2024: $1,380,873Net Income 2024: -$370,0072024

Highlighted filing

2015

Revenue$913,615
Expenses$1,234,135
Net Income-$320,520
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 16, 2016
Return Version
2015v2.0
Gross Receipts
$913,615
Mission and Program Overview

Mission

To provides safe & decent housing to low income families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$3,633,412$3,476,001▼ $157,411
Savings and Temporary Cash Investments$257,063$284,663▲ $27,600
Cash and Non-Interest-Bearing Accounts$208,164$182,631▼ $25,533
Intangible Assets$71,001$75,249▲ $4,248
Prepaid Expenses and Deferred Charges$8,581$11,278▲ $2,697
Accounts Receivable$6,979$8,547▲ $1,568
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-
Inventories for Sale or Use-$0-
Total Assets$4,231,225$4,086,048▼ $145,177
Other Assets Total$46,025$47,679▲ $1,654
Liabilities
Mortgage Notes Payable Secured by Investment Property$4,901,462$4,826,462▼ $75,000
Other Liabilities$3,212,653$3,510,918▲ $298,265
Accounts Payable and Accrued Expenses$99,492$48,869▼ $50,623
Deferred Revenue$5,444$8,145▲ $2,701
Total Liabilities$8,219,051$8,394,394▲ $175,343
Net Assets / Fund Balance
Temporarily Rstr Net Assets$257,063$284,663▲ $27,600
Unrestricted Net Assets$-4,244,889$-4,593,009▼ $348,120
Total Net Assets Fund Balance$-3,987,826$-4,308,346▼ $320,520
Total Liabilities and Net Assets / Fund Balance$4,231,225$4,086,048▼ $145,177

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,327,914$1,934,165$4,262,079
Land$1,003,000-$1,003,000
Leasehold Improvements$102,834$46,618$149,452
Equipment$42,253$27,136$69,389
Compensation and Service Providers

Board Members and Trustees

NameTitle
Darren ScottDirector
Peter RagsdaleDirector
Steven T LongoDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$257,394
Program Service Revenue
$591,147
Investment Income
$65,074
Other Revenue
$0
Change in Net Assets
$-320,520
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$978,839
Salaries, Compensation, and Employee Benefits$255,296
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$396,336--$396,336
Depreciation Depletion$170,347--$170,347
Other Salaries and Wages$156,459--$156,459
All Other Expenses$84,878$27,702-$112,580
Other Employee Benefits$86,191--$86,191
Fees for Services Management-$74,020-$74,020
Insurance$29,473--$29,473
Other Expenses$20,768--$20,768
Fees for Services Other-$12,837-$12,837
Payroll Taxes$12,646--$12,646
Office Expenses$7,993--$7,993
Fees for Services Legal$7,360--$7,360
Fees for Services Accounting-$3,000-$3,000
Travel$341--$341
Total Functional Expenses$1,116,576$117,559$0$1,234,135
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
Accrued Interest Expense$3,452,634
Tenant Security Deposits$47,680
Compensated Absences$10,604
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Line 3: Description of Delegated Duties to Management Company

The organization is managed by the albany housing authority. The authority provides all required staff including maintenance, administrative, program and executive.

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

The form is reviewed by the comptroller of the albany housing authority

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

The financial statments are made available upon request.

Filing and Contact Details

Filer

Filer Name
Mccarty Housing Development Fund Company
EIN
56-2353412
Phone
5186417500
Address
200 SOUTH PEARL STREET, ALBANY, NY 12202

Signing Officer

Name
Steven T Longo
Title
Director
Signed
2016-05-16
Discuss with paid preparer
Yes

Organization Details

Formed
2002
Legal Domicile
Ny
Voting Board Members
3
Independent Board Members
0
Employees
0

Preparer

Firm
Polcari & Co CPAs
Address
2035 Hamburg Turnpike Unit H, Wayne, NJ 07470
Preparer
Michael a Maurice CPA
Phone
9738316969
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0237177
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0250026
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0259281
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01291061
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt039
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0136
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0136
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt034
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0345
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99970
IRS990ScheduleA/PublicSupportPY170Pct00.99950
IRS990ScheduleA/PublicSupportTotal170Amt01291061
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0257394
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0287183
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0237177
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0250026
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0259281
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01291061
IRS990ScheduleA/TotalSupportAmt01291406
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt02327914
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01934165
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04262079
IRS990ScheduleD/EquipmentGrp/BookValueAmt042253
IRS990ScheduleD/EquipmentGrp/DepreciationAmt027136
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt069389
IRS990ScheduleD/LandGrp/BookValueAmt01003000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01003000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0102834
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt046618
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0149452
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03452634
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110604
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt247680
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED INTEREST EXPENSE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1COMPENSATED ABSENCES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2TENANT SECURITY DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03476001
IRS990ScheduleD/TotalLiabilityAmt03510918
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS MANAGED BY THE ALBANY HOUSING AUTHORITY. THE AUTHORITY PROVIDES ALL REQUIRED STAFF INCLUDING MAINTENANCE, ADMINISTRATIVE, PROGRAM AND EXECUTIVE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FORM IS REVIEWED BY THE COMPTROLLER OF THE ALBANY HOUSING AUTHORITY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FINANCIAL STATMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 3: Description of Delegated Duties to Management Company
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0ALBANY HOUSING AUTHORITY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0146003900
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0NA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0HOUSING AUTHORITY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0200 SOUTH PEARL STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0ALBANY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd012202
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt0257063
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt0284663
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04231225
IRS990/TotalAssetsEOYAmt04086048
IRS990/TotalAssetsGrp/BOYAmt04231225
IRS990/TotalAssetsGrp/EOYAmt04086048
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0257394
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0117559
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01116576
IRS990/TotalFunctionalExpensesGrp/TotalAmt01234135
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08219051
IRS990/TotalLiabilitiesEOYAmt08394394
IRS990/TotalLiabilitiesGrp/BOYAmt08219051
IRS990/TotalLiabilitiesGrp/EOYAmt08394394
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-3987826
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-4308346
IRS990/TotalProgramServiceExpensesAmt01116576
IRS990/TotalProgramServiceRevenueAmt0591147
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0656221
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0913615
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04231225
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04086048
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt0341
IRS990/TravelGrp/TotalAmt0341
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0-4244889
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-4593009
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEVEN T LONGO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Director
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-16

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.12$10.7$7.55$1.01$1.38$0.37
2023Summary only. Only limited summary data is available for this year.$3.32$10.5$7.18$0.92$1.51$0.59
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.67$10.3$6.58$0.90$1.33$0.43
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.82$9.98$6.15$0.90$1.19$0.29
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.87$9.74$5.86$0.86$1.23$0.38
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.97$9.46$5.49$0.85$1.19$0.34
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.07$9.22$5.15$0.86$1.14$0.28
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.05$8.92$4.86$0.89$1.14$0.25
2016Summary only. Only limited summary data is available for this year.$4.11$8.72$4.62$0.91$1.21$0.31
2015Detailed filing. Detailed filing data is available for this year.$4.09$8.39$4.31$0.91$1.23$0.32
2015Summary only. Only limited summary data is available for this year.$4.09$8.39$4.31$0.91$1.23$0.32
2014Detailed filing. Detailed filing data is available for this year.$4.23$8.22$3.99$0.90$1.31$0.41
2013Detailed filing. Detailed filing data is available for this year.$4.38$7.96$3.58$0.84$1.21$0.38
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.49$7.67$3.17$1.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.61$7.44$2.83$1.10