Civic Intelligence

Mountain Gem Credit Union

990 • Fiscal year 2015 • EIN 82-0231516

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 20, 2016

421 11th Ave S PO Box 309Nampa, ID 83653-0309

(208) 466-9455

Siviq Scores

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

Liabilities / Assets

10th percentile

0.03x

Higher debt load relative to assets than 10% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

10th percentile

0.42x

Higher debt load relative to revenue than 10% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

48th percentile

5.9%

Higher net margin than 48% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

62nd percentile

$80,755

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

94th percentile

12%

Faster asset growth than 94% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

68th percentile

3.8%

Faster revenue growth than 68% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Assets

Up

$19,472,946

Up $2,094,355 (+12%) from 2014

Net Assets

Up

$18,932,227

Up $1,594,613 (+9.2%) from 2014

Liabilities

Up

$540,719

Up $499,742 (+1220%) from 2014

Revenue

Up

$1,276,157

Up $46,628 (+3.8%) from 2014

Expenses

Up

$1,200,897

Up $106,184 (+9.7%) from 2014

Net Income

Down

$75,260

Down $59,556 (-44%) from 2014

Historical Trend

Balance Sheet Trend

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

$30M$20M$10M$0Assets 2008: $14,492,087Liabilities 2008: $67,078Net Assets 2008: $14,425,0092008Assets 2010: $13,726,788Liabilities 2010: $52,144Net Assets 2010: $13,674,6442010Assets 2011: $13,807,233Liabilities 2011: $45,650Net Assets 2011: $13,761,5832011Assets 2012: $15,005,382Liabilities 2012: $50,969Net Assets 2012: $14,954,4132012Assets 2013: $16,844,069Liabilities 2013: $38,624Net Assets 2013: $16,805,4452013Assets 2014: $17,378,591Liabilities 2014: $40,977Net Assets 2014: $17,337,6142014Assets 2015: $19,472,946Liabilities 2015: $540,719Net Assets 2015: $18,932,2272015Assets 2016: $20,579,531Liabilities 2016: $545,828Net Assets 2016: $20,033,7032016Assets 2017: $20,405,037Liabilities 2017: $44,734Net Assets 2017: $20,360,3032017Assets 2018: $17,707,875Liabilities 2018: $211,571Net Assets 2018: $17,496,3042018Assets 2019: $17,295,487Liabilities 2019: $11,053Net Assets 2019: $17,284,4342019Assets 2020: $18,474,987Liabilities 2020: $283,616Net Assets 2020: $18,191,3712020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2015

Assets$19,472,946
Liabilities$540,719
Net Assets$18,932,227

Operations Trend

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

$2.0M$1.0M$0-$1.0M-$2.0MExpenses 2008: $1,568,2062008Expenses 2010: $993,8282010Expenses 2011: $951,4632011Expenses 2012: $880,1772012Revenue 2013: $985,693Expenses 2013: $888,941Net Income 2013: $96,7522013Revenue 2014: $1,229,529Expenses 2014: $1,094,713Net Income 2014: $134,8162014Revenue 2015: $1,276,157Expenses 2015: $1,200,897Net Income 2015: $75,2602015Revenue 2016: $1,386,936Expenses 2016: $1,260,411Net Income 2016: $126,5252016Revenue 2017: $1,301,135Expenses 2017: $1,289,846Net Income 2017: $11,2892017Revenue 2018: $1,220,038Expenses 2018: $1,432,848Net Income 2018: -$212,8102018Revenue 2019: $1,276,561Expenses 2019: $1,257,073Net Income 2019: $19,4882019Revenue 2020: $7,319Expenses 2020: $1,252,757Net Income 2020: -$1,245,4382020Revenue 2021: $4,208Expenses 2021: $907,658Net Income 2021: -$903,4502021

Highlighted filing

2015

Revenue$1,276,157
Expenses$1,200,897
Net Income$75,260
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 20, 2016
Return Version
2015v2.1
Gross Receipts
$1,276,157
Mission and Program Overview

Mission

Mutual, Membership Benefit Programs, General/Other: Operating for over 50 years providing safe, High quality financial services to the members/owners.

State Chartered Credit Union

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$15,865,164$17,384,515▲ $1,519,351
Other Notes and Loans Receivable, Net$15,485,656$16,631,805▲ $1,146,149
Savings and Temporary Cash Investments$835,845$2,343,482▲ $1,507,637
Rtn Earn Endowment Incm Other Fnds$1,472,450$1,547,712▲ $75,262
Cash and Non-Interest-Bearing Accounts$280,107$129,549▼ $150,558
Land, Buildings, and Equipment, Net$512,494$103,886▼ $408,608
Prepaid Expenses and Deferred Charges$52,397$64,611▲ $12,214
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors-$0-
Total Assets$17,378,591$19,472,946▲ $2,094,355
Other Assets Total$212,092$199,613▼ $12,479
Liabilities
Accounts Payable and Accrued Expenses$40,977$540,719▲ $499,742
Grants Payable-$0-
Mortgage Notes Payable Secured by Investment Property-$0-
Unsecured Notes Loans Payable-$0-
Other Liabilities-$0-
Deferred Revenue-$0-
Escrow Account Liability-$0-
Tax Exempt Bond Liabilities-$0-
Total Liabilities$40,977$540,719▲ $499,742
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,337,614$18,932,227▲ $1,594,613
Total Liabilities and Net Assets / Fund Balance$17,378,591$19,472,946▲ $2,094,355

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$70,379$40,140$0
Leasehold Improvements$33,507$12,452$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cheri L SchaafsExec Director/CEOFT$72,755$8,000$80,755

Board Members and Trustees

NameTitle
Linda VincentChairman
Michael D PeckVice Chairman
Harold DennyDirector
Leroy GillattDirector
Rob HerndonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,167,402
Investment Income
$-46,732
Other Revenue
$155,487
Change in Net Assets
$75,260
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$639,537
Other Expenses$561,360
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$477,216
Office Expenses---$181,753
Occupancy---$94,406
Interest---$73,898
Current Officers, Directors, Trustees, and Key Employees---$72,755
Other Expenses---$66,250
Payroll Taxes---$47,269
Other Employee Benefits---$42,297
Depreciation Depletion---$25,131
Insurance---$19,288
Advertising---$14,883
Fees for Services Management---$10,051
Fees for Services Accounting---$9,123
Conferences and Meetings---$4,671
Total Functional Expenses$0$0$0$1,200,897
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees-$0-
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The Credit Union is made of of member/stockholders.

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

The Board of Directors are made up of member/stockholders of the credit union that are elected by the membership/stockholders for a three year term. These elections are held each year at the annual meeting of the member/stockholders.

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

The Board of Directors cover the form 990 at their monthly meeting.

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

In addition to an annual review of the conflict of interest policy, the Board of Directors meet monthly to review credit union business. In the event a conflict of intrest arose the person would not be allowed to be part of the activity.

Form 990, Part VI, Section B, Line 15

The Board of Directors are unpaid, they review and set employee compensations annually.

Form 990, Part VI, Section C, Line 19

Disclosures of all documents are available at the credit union office at 421 11th Ave., Nampa, ID 83651-4232. Phone 208-466-9455.

Filing and Contact Details

Filer

Filer Name
Mountain Gem Credit Union
EIN
82-0231516
Phone
2084669455
Address
421 11th Ave S PO Box 309, Nampa, ID 83653-0309

Signing Officer

Name
Cheri Schaafs
Title
President
Phone
2084669455
Signed
2016-07-20

Organization Details

Formed
1953
Legal Domicile
Id
Voting Board Members
5
Independent Board Members
5
Employees
17
Volunteers
5
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

Change in deposits for member accounts.

Raw XML AppendixShowing 400 of 455 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.

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IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0154310
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0155487
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt01177
IRS990/OtherRevenueTotalAmt0155487
IRS990/OtherSalariesAndWagesGrp/TotalAmt0477216
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt015485656
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt016631805
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt047269
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt052397
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt064611
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Mountain Gem Credit Union
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/Desc0Loans to Members
IRS990/ProgramServiceRevenueGrp/Desc1Fee Revenue
IRS990/ProgramServiceRevenueGrp/Desc2Loan Acquisition Revenue
IRS990/ProgramServiceRevenueGrp/Desc3Other Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0994010
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt181235
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt275412
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt316745
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0994010
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt181235
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt275412
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt316745
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt06651
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0528521
IRS990/PYOtherRevenueAmt0126597
IRS990/PYProgramServiceRevenueAmt01096281
IRS990/PYRevenuesLessExpensesAmt0134816
IRS990/PYSalariesCompEmpBnftPaidAmt0566192
IRS990/PYTotalExpensesAmt01094713
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01229529
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt075260
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01472450
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01547712
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0835845
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02343482
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt070379
IRS990ScheduleD/EquipmentGrp/DepreciationAmt040140
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0110519
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt033507
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt012452
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt045959
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0103886
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union is made of of member/stockholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors are made up of member/stockholders of the credit union that are elected by the membership/stockholders for a three year term. These elections are held each year at the annual meeting of the member/stockholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors cover the form 990 at their monthly meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3In addition to an annual review of the conflict of interest policy, the Board of Directors meet monthly to review credit union business. In the event a conflict of intrest arose the person would not be allowed to be part of the activity.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Board of Directors are unpaid, they review and set employee compensations annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Disclosures of all documents are available at the credit union office at 421 11th Ave., Nampa, ID 83651-4232. Phone 208-466-9455.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Change in deposits for member accounts.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0ID
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt017378591
IRS990/TotalAssetsEOYAmt019472946
IRS990/TotalAssetsGrp/BOYAmt017378591
IRS990/TotalAssetsGrp/EOYAmt019472946
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01200897
IRS990/TotalGrossUBIAmt01177
IRS990/TotalLiabilitiesBOYAmt040977
IRS990/TotalLiabilitiesEOYAmt0540719
IRS990/TotalLiabilitiesGrp/BOYAmt040977

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.00$0.91$0.90
2020Detailed filing. Detailed filing data is available for this year.$18.5$0.28$18.2$0.01$1.25$1.25
2019Detailed filing. Detailed filing data is available for this year.$17.3$0.01$17.3$1.28$1.26$0.02
2018Detailed filing. Detailed filing data is available for this year.$17.7$0.21$17.5$1.22$1.43$0.21
2017Detailed filing. Detailed filing data is available for this year.$20.4$0.04$20.4$1.30$1.29$0.01
2016Detailed filing. Detailed filing data is available for this year.$20.6$0.55$20.0$1.39$1.26$0.13
2015Detailed filing. Detailed filing data is available for this year.$19.5$0.54$18.9$1.28$1.20$0.08
2014Detailed filing. Detailed filing data is available for this year.$17.4$0.04$17.3$1.23$1.09$0.13
2013Detailed filing. Detailed filing data is available for this year.$16.8$0.04$16.8$0.99$0.89$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.0$0.05$15.0$0.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.8$0.05$13.8$0.95
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.7$0.05$13.7$0.99
2008Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.5$0.07$14.4$1.57